DistinctSM Visa Signature® Card

  • 3% Unlimited Cash Back1 on purchases for the first 6 billing cycles after the account has been opened
  • 2% Unlimited Cash Back1 on purchases after the introductory period
  • $100 Bonus (equivalent to 10,000 points) when you spend $10,000 annually1 from account opening
  • No foreign transaction fees2
  • Redeem rewards for cash back, gift cards, travel or merchandise. Rewards earned expire in 3 years
  • Distinctive benefits and value for a $149 annual fee2
  • Variable APR2 on purchases and balance transfers based on the Prime Rate between 22.49% and 28.49% depending on your creditworthiness

Please see the Summary of Credit Terms for important information on rates, fees, costs, conditions and limitations.  A balance transfer feeof 5% applies to each balance transfer that you make (minimum $10).

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.

Zero Liability4

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

Global Services

Provides expert assistance, whenever and wherever, for a replacement card or emergency cash.

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. 

Travel and Emergency Assistance Services

Receive assistance from travel experts who can help solve a variety of problems, big or small, when you're away from home. The cardholder is responsible for the cost of any services received.

Visa Signature Concierge5

Complimentary concierge services to help you discover the perfect hotel, book tickets to a must-see event, reserve a table at the hottest restaurant, or find inspiration for the perfect gift. 

Luxury Hotel Collection6

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. 

ID Protect

Our 24/7 identity protection will safeguard what matters most - your personal information. Also includes ID theft resolution services and credit file monitoring.

Trip Cancellation

If something unexpected happens to cause you to cancel or interrupt your trip this can reimburse the non-refundable cost of your fare. Good on travel for air, rail, or even cruise ship.

Hotel Theft

Using your card gives you protection against hotel theft providing reimbursement for personal belongings stolen from your room.

Important Information

1See 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.

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

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.

5DistinctSM Visa Signature® Card cardholders are responsible for the payment of any and all charges associated with any goods, services, reservations or bookings purchased or arranged by the Visa Signature Concierge on cardholders' behalf. Any such purchases or arrangements are solely between the cardholder and the respective merchant, and Visa is not a party to the transaction. All goods and services subject to availability. See full terms of service at visasignatureconcierge.com.

6In cases where one of the benefits is not available at a hotel, the hotel may provide a substitute benefit of equal value. Some hotels may provide one of the benefits as a standard feature of the room being booked. In those cases the hotel may or may not provide a substitute benefit of equal value. Resort fees that cover any of the benefits are not reimbursable. Reservations must be booked either on a Visa Signature Luxury Hotel Collection website or through Visa Concierge for benefits to apply. Please consult the terms and conditions for each property.

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.