FNBO Credit Card Review 2024 – Detailed Comparison

The First National Bank of Omaha (FNBO) is majorly known for its wide variety of branded travel and retail credit cards. But, FNBO also offers 3 co-brand FNBO Credit Cards for people with fair to excellent credit. These credit cards are:

  • Evergreen® by FNBO Credit Card.
  • Getaway® by FNBO Credit Card.
  • Secured® Visa Credit Card.

All the three credit cards have $0 annual fee, and accept applications from across the U.S., with some geographic restrictions. You earn FNBO Reward from Evergreen and Gateway credit card while the Secured credit cards allow you to build credit. You can redeem these rewards for cash back, retail gift cards or travel points through the FNBO travel portal.

If you are wandering, whether the FNBO Credit Cards right for you? Here’s a detailed explanation of each credit card.

FNBO Credit Cards

The First National Bank of Omaha is an independent and family owned bank that majorly offers travel and retail credit cards. But it offers three no annual fee co-brand cards to cardholders. Today, we will discuss about these cards in detail.

1. Evergreen® by FNBO Credit Card

Evergreen® by FNBO Credit Card

The Evergreen FNBO Credit Card is a Reward Visa Credit Card that is ideal for people with good to excellent credit. The Evergreen card has no annual fee and offers unlimited 2% cash back on every purchase, and the points never expire.

Cardholders get sign-up bonus of $200, equivalent to 20,000 points after you spend $1,000 within the first 3 billing cycles after account opening. The sign up bonus is good for a $0 annual fee card, and the cash back rate is also high.

The card also offers 0% introductory APR for the first 12 billing cycles on purchases and balance transfers as of now. After that, the rates will vary between 17.24% to 26.24% based on your creditworthiness.

But, there are a lot of credit cards that offer longer introductory APR from 15 to 21 months. Anyone can apply for the Evergreen Card because it is offered by a regional Bank, so it is not necessary to have an FNBO account.

You will find better credit cards than Evergreen® by FNBO Credit Card that meet your needs.

Reward Details

  • You eanr unlimited 2% cashback on every purchase everywhere.
  • Earn welcome bonus of $200 cash bonus (equivalent to 20,000) after you spend $1,000 within the first 3 months of account opening.
  • You can redeem rewards for cash back as a statement credit.
  • Reward points will never expire.

Card Details

  • Annual Fee: $0
  • Welcome Bonus: $200 cash bonus
  • Regular APR: 20.99% – 28.99% (variable)
  • Credit Needed: Good/Excellent.
  • The card has no annual fee.
  • Generous welcome bonus.
  • Intro APR for both purchase and balance transfer.
  • You earn 2% cash back on every purchase.
  • No reward expiration.
  • No reward transfer.
  • Balance transfer is high.
  • Foreign transaction fee.

» MORE: Home Credit Card Review

2. Getaway® by FNBO Credit Card

Getaway® by FNBO Credit Card

The Getaway by FNBO Credit Card is Mastercard reward credit card that is ideal for people with good to excellent credit. The card offers 3X points per $1 spent on dining, travel, and gas purchases, and 1X point per $1 spent on all other purchases. There is no expiration of reward points.

The card offers no sign-up bonus which is a major downside of this credit. But, you get 0% introductory APR first 12 billing cycles on purchases and balance transfers. After that a variable APR of 21.24% to 29.24% will apply.

Like the Evergreen Credit Card, there are other plenty options if you want a no-annual fee credit card that offers welcome bonuses and better rewards.

Reward Details

  • You earn 3X points per $1 spent on travel, dining, and gas station purchases.
  • Earn 1X point per $1 spent on all other purchases.
  • Reward Points will never expire.

Card Details

  • Annual Fee: $0.
  • Welcome bonus: None
  • Regular Annual APR: 21.24% – 29.24% (variable)
  • The card has no annual fee.
  • Decent reward points on travel, dining, and gas category.
  • 0% intro APR offer for purchases and balance transfer.
  • No reward expiration.
  • The card has no foreign transaction fee.
  • No sign-up bonus.
  • The card has 5% balance transfer fee.

» MORE: Brightway Credit Card Review

3. Secured® Visa Credit Card

Secured® Visa Credit Card

The Secured® Visa Credit Card is ideal for those people who want to build or rebuild their credit. Since, it is a secured credit card, it has no annual fee. You can request your own credit limit by a single deposit between $300 and $500 (multiples of $50) when you apply. This is subject to credit approval.

You will be qualify for a credit limit increase wihtout any additional deposit after making 7 months regular on-time bill payments. This is also subject to credit approval. You will get your deposit back in as little as if you make good payment history.

However, the card does not earn rewards on purchaeses. Like other secured credit card, the Secured® Visa Credit Card attracts a high variable APR of 25.49% on purchases and balance transfer.

If you are a beginner and building your credit, you can get this card. But there are other cards that offers better value than this card like the Capital One Quicksilver Secured Cash Rewards Credit Card, which offers 1.5% cash back on all purchases.

Card Details

  • Annual Fee: $0.
  • Welcome Bonus: None.
  • Regular Annual APR: 25.49% variable for purchases and balance transfer.
  • The card has no annual fee.
  • You can request your own credit limit.
  • Your credit activity is reported to all three major credit bureaus.
  • No reward points.
  • The card does not offer welcome bonus.
  • High APR for a secured credit card.
  • 5% balance transfer fee.

» MORE: Best Cash Advance Credit Card

Additional Features of FNBO Credit Cards

  • Contatcless technology
  • Fraud Protection
  • FICO® Score
  • Online Services
  • Mobile App
  • Zero Liability
  • Roadside Dispatch
  • Global Services

Are FNBO Credit Card Right for You?

The most appropriate answer is no. Because the card does not stand out in front of other no annual fee cash back and secured credit card. There is no special about these credit cards. Also, the marketplace for both no annual fee reward credit cards and secured card is rich. However, you can get these card if you are a beginner and want to build credit.

Thers are much better options available on the market that offers better rewards and perks than these three FNBO Credit Cards.

How to apply for FNBO Credit Cards?

You can apply for FNBO cards online by following the below steps:

  • Visit the official website of FNBO cards at fnbo.com.
  • Choose you card and click on “Apply Now.”
  • Enter the zip code and fill the application form.
  • Check all the information and submit the application.

FNBO Credit Card Customer Service

If you need any help regarding FNBO cards, then you can contatct credit card customer service:

  • Credit Card Customer Service: 888-530-3626
  • Banking and Lending Customer Service: 800-642-0014

FNBO Credit Card Related FAQs

Does FNBO offers credit cards?

Yes, the First National Bank of Omaha (FNBO) is majorly known for its wide variety of branded travel and retail credit cards. But, FNBO also offers 3 co-brand FNBO Credit Cards for people with fair to excellent credit.

What is the customer care number of FNBO Cards?

The FNBO Credit Card Customer Service number is 888-530-3626.

What credit cards are offered by FNBO?

FNBO offers 3 co-brand FNBO Credit Cards for people with fair to excellent credit. These credit cards are:
1. Evergreen® by FNBO Credit Card.
2. Getaway® by FNBO Credit Card.
3. Secured® Visa Credit Card.

Are FNBO Credit Card Right for You?

Probably not, these cards are very basic no annual fee card. Other no annual fee cashback credit card offers much better benefits. However, you can get these card if you are a beginner and want to build credit.

What is the official website of FNBO Cards?

The official website of FNBO cards is fnbo.com.

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