Lincoln Card Art

Driving home more Lincoln Access Rewards Points for your Lincoln

  • Turn everyday purchases into unlimited Points with 5% Back in Points1 on Lincoln Dealership Purchases, 3% Back in Points1 on gas, auto insurance, tolls, parking & dining, and 1% Back in Points1 on All Other Purchases
  • 10% Back in Points1 on Lincoln Service — That’s 5% Back in Points on Lincoln Dealership Purchases plus 5% Back in Points with Lincoln Access Rewards
  • Redeem Lincoln Access Rewards Points toward discounts on Lincoln Purchases like your next Lincoln Vehicle Purchase, Lincoln Parts, and Lincoln Service and Maintenance
  • Earn 11,000 Lincoln Access Rewards Points1 after your first purchase.
  • Earn 20,000 Bonus Points1 when you spend $3,000 within your first 3 billing cycles after your account is opened.
  • Get Everyday Special Financing and enjoy 0% Intro APR2 for 6 billing cycles from the date of purchase on Lincoln purchases over $499. After your 6 billing cycles expire, you’ll have a variable APR rate of 23.24%–30.24% based on the Prime Rate depending on how you meet our credit criteria.
  • Every year, earn a $200 Annual Statement Credit1 when you spend $6,000 in 12 consecutive billing cycles from account opening
  • No Annual Fee2

Additional Features

Fraud Protection

We continuously and proactively scan your transactions, flagging anything that seems out of place. If suspicious activity should arise, we’ll contact you to resolve the situation.

FICO® Score

View your FICO® Score each month online for free. Knowing your FICO® Score can help you maintain and better understand your financial health.

Zero Liability3

Automatically Our 24/7 guarantee that you won't be held responsible for fraudulent charges made with your card or account information.

Roadside Dispatch®

Provides 24-hour access to roadside assistance like tire changing, jump starting or towing. The fees for this pay-per-use service are pre-negotiated and available exclusively to Visa cardmembers. 

Important Information

Please see the Summary of Credit Terms for important information on rates, fees, costs, conditions and limitations.

Please note you must pay your entire statement balance (with the exception of purchases made with this promotional rate during its promotional rate period) in full by the payment due date each month to avoid being charged interest on new non-promotional purchases from the date those purchases are made.

Special Financing Offer Details: Purchases in which single or multiple items are purchased in the same transaction totaling at least $499.00 at Lincoln dealerships will be referred to as "Eligible Purchases" in your Summary of Credit Terms. All transactions are subject to approval. Accounts are eligible only if they are open, in good standing and not already subject to special terms. All other terms of your account remain in effect. Minimum Monthly Payments Required.

1 See the Lincoln Access Rewards Visa® Terms and Conditions in the Summary of Credit Terms. Points are not redeemable for cash. Please see the Lincoln Access Rewards™ Program terms and conditions at for information regarding expiration, redemption, forfeiture and other limitations on Lincoln Access Rewards Points. Must be enrolled in Lincoln Access Rewards.

2 For additional information about Annual Percentage Rates (APRs), fees and other costs, please see the Summary of Credit Terms.

3 Visa's Zero Liability policy covers U.S. issued cards only and does not apply to PIN transactions not processed by Visa or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit

FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. Please note, new cardmembers will generally see their FICO® Bankcard Score 9 (the version of FICO® Score we use to manage your account) within 45 days of account opening.

Cards are issued by First National Bank of Omaha (FNBO®), pursuant to a license from Visa U.S.A Inc. Visa is a registered trademark of Visa International Service Association and used under license.