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Business Edition® Mastercard® Card with Reward Simplicity

Everything your business needs.
All in one card.

Rewards. Low Intro. Bonus Offer.

  • 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 19.24% and 25.24% APR depending on your credit worthiness.
  • Plus, a $30 Bonus (3,000 points equivalent) when you spend $600 within the first 3 billing cycles after the account is opened.2
    Points will be awarded 6-8 weeks after qualifying.
  • A balance transfer fee1 of 5% (minimum $10) applies to each balance transfer you make.
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Business Edition® Secured Mastercard® Card

Establish or improve your business credit

  • $39 Annual Fee1
  • A variable 27.99% APR1 on purchases and balance transfers based on the Prime Rate.
  • Request your own credit limit3 between $2,000 and $100,000 (multiples of $50) when you apply, subject to credit approval.
  • Security deposit is 110%3 of the amount of your credit limit, between $2,200 and $110,000 (multiples of $50), subject to credit approval.
  • Reward yourself with interest earned on your security deposit4
  • A balance transfer fee1 of 5% (minimum $10) applies to each balance transfer you make.
  • Deposit Account Disclosure

Please see the Summary of Credit Terms link for each product listed above 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 Features5

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.



Zero Liability6

Automatically protects you 24/7 against unauthorized purchases made with your card or account information.

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.

Auto Rental Insurance

Provides coverage for automobile rentals paid for with your covered credit card. Rest easy knowing you are covered for damage due to collision or theft up to the limits indicated in the coverage disclosure.

Easy Savings®

Save on purchases with automatic rebates through Mastercard Easy Savings®. Over 40,000 participating merchant locations available. You don't need to worry about remembering coupons or special codes. 

QuickBooks Online Discount  

Receive up to 50% off select QuickBooks subscriptions with a valid Mastercard Small Business credit card.

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.

1 For additional information about Annual Percentage Rates (APRs), fees and other costs, see the Summary of Credit Terms link for each product listed above.

2 See the Rewards Terms and Conditions in the Summary of Credit Terms link for the rewards product listed above for details, including earning, redemption, expiration or forfeiture. Your % back rewards are earned as points.

3 You may only charge up to your approved credit limit, which will be less than the deposit you provide. The amount of your security deposit is 110% of the amount of your credit limit. Your security deposit may not be refundable if your account is in default.

4 See the Deposit Agreement available when you apply for details.

5 Complete program details, including restrictions, limitations and exclusions, will be available when you become a Cardmember.

6 Certain terms and restrictions apply. See mastercard.com/zeroliability for terms and conditions.

QuickBooks is a trademark of Intuit Inc., registered in the United States and other countries.

Cards are issued by First National Bank of Omaha (FNBO®), pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.