First National Bank of Omaha Platinum Edition® Visa® Credit Card

first national bank of omaha platinum edition visa card
Required Credit Score: Excellent
3.5 149 reviews   Write a Review!
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First National Bank of Omaha Platinum Edition® Visa® Credit Card’s Rewards

This card does not offer rewards.

First National Bank of Omaha Platinum Edition® Visa® Credit Card’s Key APRs & Fees

Intro Rate on Purchases
0% for 12 months
Intro Rate on Transfers
0% for 12 months
Regular Rate
9.99% - 19.99% (V)
  • ANNUAL FEE None
  • BALANCE TRANSFER FEE 3%

First National Bank of Omaha Platinum Edition® Visa® Credit Card’s Additional Info

  • MAX LATE FEE   $37
  • MAX OVERLIMIT FEE   N/A
  • MAX PENALTY APR   29.99% (V)
  • GRACE PERIOD   21 days
  • ONLINE RESPONSE   No
  • CASH ADVANCE RATE 25.24% (V)
  • CASH ADVANCE FEE 5% (min $15)
  • FOREIGN TRANSACTION
    FEE  
    3%
  • Free FICO® 8 Bankcard Score Online.
  • Zero Liability Protection.
  • Travel Accident Insurance.
  • Auto Rental Insurance.
  • Purchase Protection.
  • Extended Warranty.
Apply Now
at First National Bank of Omaha’s
secure site
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First National Bank of Omaha Platinum Edition® Visa® Credit Card Reviews

 
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3.5
Overall Rating: 3.5 / 5
Total Ratings: 149
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Aug 27, 2014
Photo of Rachel D.
5
By:
I was nervous when I first got this card cause of all the horrible reviews. So I decided to call the company to get answers in regards to the reviews. Both times I had amazing customer service and they were so quick to help me understand and figure out all my doubts. I feel so satisfied with this and will Def feel more secure using this credit card
Jun 3, 2014
Photo of Pat D.
1
By:
Received pre approval letter in mail...filled out app online and did not receive instant approval, was told I would receive decision in 2 weeks...what decision? Was told I was preapproved which means you had already made a decision to give me the card. What kind of tactic is this?? My credit is fine and I am responsible with the credit I have. Is this some sort of bait and switch??
Jun 6, 2014
Photo of Card H.
Card Hub
I know it is confusing but pre-approval does not necessarily mean approval and up to 10% of pre-approved applicants may get rejected in the end.
Jun 29, 2014
Photo of Del H.
Del Hudson
I got the same message but then got the card a week later then i got another preapproval letter from them with a lower interest rate. wonder if i should apply again
Aug 14, 2013
Photo of Clay H.
3
By:
If you meet the credit requirements of this card then I think you might be hard-pressed to find a better deal. It offers a 0% introductory rate on purchase for the first 12 months and an interest rate as low as 9.99%. It also offers some decent perks, such as travel accident insurance, purchase protection and zero liability protection in the case of fraud. I'm less impressed with the cash advance fee, however... $15 or 5% seems excessive, in my opinion, but as I'm not very familiar with cards that allow this it's possible this is actually standard.

To summarize, this card offers enough features and perks that the very few more
Aug 8, 2013
Photo of Stephen B.
3
By:
You will be hard pressed to find rates as good as these on a commercially available credit card. With rates as low as 9.99% it's hard to give this card anything lower than 4 stars, however the lack of a rewards program really hinders this. Rewards programs are great for people who use their card a lot, and even for people who don't. The constant gain of points any time you use it is great for everyone, even if you use your card once a month, in 3 or 4 years it's possible you could have a free vacation on your hands. I absolutely love what this card offers rate-wise more
Aug 2, 2013
Photo of Reylin B.
4
By:
The First National Bank of Omaha Platinum Edition Visa Credit Card is a good, yet simple credit card. I like a lot of the benefits it offers, but I dislike that it does not offer rewards. Rewards with credit cards are one of the things I look for when getting a new credit card, so this is a little bit of a let down, but other than that, it is still a good card; especially for those of you do not care about rewards at all and just want a simple credit card. With that said, there are cards with rewards, such as The Honda Rewards card, that do have more
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Last updated on: Oct 2nd, 2014 at 1:03 EDT