Limited Time Offer - Apply by January 31, 2024
Everything you want. All in one card.
Rewards. Low Intro. Bonus offer.
- $100 cash bonus (10,000 points equivalent) when you spend $1,000 within the first 3 billing cycles after the account is opened.2
- No Annual Fee1
- Unlimited 1.5% Cash Back2 on every purchase. Every day.
- 0% introductory APR1 on purchases and balance transfers for the first 12 billing cycles after the account is opened. After that, a variable APR based on the Prime Rate between 23.74% and 29.74% APR depending on your credit worthiness.
- Redeem rewards for cash back, gift cards, travel or merchandise.2
- A balance transfer fee1 of 5% (minimum $10) applies to each balance transfer you make.
Please see the Summary of Credit Terms for important information on rates, fees, costs, conditions and limitations. Minimum monthly payments required.
You must pay your entire statement balance (including all promotional purchase and balance transfer balances) by the due date each month to avoid being charged interest on new purchases from the date those purchases are made, unless your new purchases are subject to a 0% interest rate.
Additional Features3
Contactless Technology
Just look for the contactless symbol, tap your card on the terminal and go on your way. It's secure, simple and touch-free.
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.
Online Services
Enjoy an easy and secure way to check your balance and monitor spending, set up Account Alerts and Autopay.
Mobile App
Manage your account from your mobile phone - wherever you are. It's secure, simple and at your fingertips.
Zero Liability4
Automatically protects you 24/7 against unauthorized purchases 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.
Global Services
Provides expert assistance, whenever and wherever, for a replacement card or emergency cash.
Important Information
Q: If I request a balance transfer, will you process the entire amount that I requested? A: We will do our best to accommodate your request. If you are approved, we may permit you to transfer balances from other eligible credit cards or accounts up to the amount of your credit limit we make available for balance transfers (which may be less than your total assigned credit limit). If the total amount(s) requested to be transferred exceed(s) the portion of your assigned credit limit for balance transfers, we may process part of your request or decline your request in our sole discretion. You cannot request a balance transfer to make payments on a First National Bank of Omaha account or any credit card account issued by First National Bank of Omaha.
1For additional information about Annual Percentage Rates (APRs), fees and other costs, see the Summary of Credit Terms.
2See the Rewards Terms and Conditions in the Summary of Credit Terms for details, including earning, redemption, expiration or forfeiture. Your % back rewards are earned as points.
3Complete program details, including restrictions, limitations and exclusions, will be available when you become a Cardmember.
4Visa's Zero Liability policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use.
FICO® is a registered trademark of the Fair Isaac Corporation in the United States and other countries.
Cards are issued by First National Bank of Omaha (FNBO®), pursuant to a license from Visa U.S.A. Inc. Visa and Visa Signature are registered trademarks of Visa International Service Association and used under license.