First National Bank of Omaha (FNBO) credit cards
Midwest bank with a large national card program that also issues many affinity/co-brand cards. Launched the no-fee Complete Rewards card in Sept 2026.
About First National Bank of Omaha (FNBO)
First National Bank of Omaha (FNBO) is a Midwest bank with a national card program, best known for straightforward rewards cards such as the FNBO Complete Rewards Visa Signature Card, a no-annual-fee card launched in September 2026, and the FNBO Evergreen Rewards Visa. It also issues affinity and co-brand cards for partner organizations, plus the Getaway and GreenSelect cards and a Rewards Secured Credit Card.
FNBO suits you if you want a no-annual-fee rewards card from a bank outside the biggest national issuers, or you want to build credit with a secured card that reports to all three bureaus. The limitation: FNBO's card pages do not list a pre-qualification check, so you apply without knowing your odds, and some cards, including Complete Rewards, charge a 3% foreign transaction fee, which makes them a weaker pick for travel abroad.
Notable First National Bank of Omaha (FNBO) cards
- FNBO Complete Rewards Visa Signature
- FNBO Evergreen Rewards Visa
First National Bank of Omaha (FNBO) cards compared
| Card | Annual fee | Rewards | Intro APR | Foreign fee | Credit needed | Rating |
|---|---|---|---|---|---|---|
First National Bank of Omaha (FNBO)FNBO Complete Rewards Visa… 4293 0890 2883 7249 VALID THRU 06/29ALEX MORGAN FNBO Complete Rewards Visa Signature CardDomestic travelers wanting a no-fee regional-bank card |
None | 5x travel; 3x streaming; 2x fuel; 1x other | None | 3% | See issuer | — |
Approval rules and tips
First National Bank of Omaha (FNBO) does not publish a formal limit on how often you can apply. Approval is based on your credit score, income, existing debt and recent applications — check any pre-qualification tool first, because it uses a soft inquiry.
- FNBO's card pages do not list a pre-qualification tool, so expect a hard inquiry when you apply.
- The Rewards Secured Credit Card reports activity to all three credit bureaus and suits thin or damaged credit.
- Affinity cards tied to an organization may be offered through that partner, so check the partner's site as well as fnbo.com.
How to apply for a First National Bank of Omaha (FNBO) card
Apply online at fnbo.com or card.fnbo.com, or at an FNBO branch in its home markets. FNBO does not list an official pre-qualification check, so the application leads to a hard inquiry. Have your Social Security number, date of birth, address, income and housing payment ready. Partner and affinity cards may use an application link provided by the partner organization instead.
Customer service: www.card.fnbo.com · 888-295-5540
First National Bank of Omaha (FNBO) FAQs
What credit cards does First National Bank of Omaha (FNBO) offer?
First National Bank of Omaha (FNBO)'s notable cards include FNBO Complete Rewards Visa Signature, FNBO Evergreen Rewards Visa. See the cards we review below for fees, rewards and APRs.
Does First National Bank of Omaha (FNBO) have special approval rules?
First National Bank of Omaha (FNBO) does not publish a formal application-frequency rule. Approval depends on your credit score, income, existing debt and recent applications.
How do I apply for a First National Bank of Omaha (FNBO) credit card?
Apply on www.fnbo.com. Check any pre-qualification tool first — it uses a soft inquiry that does not affect your credit score.
How do I activate a new First National Bank of Omaha (FNBO) card?
See our step-by-step guide to activating a National Bank Mastercard — online, in the app or by phone.
Does FNBO offer a secured credit card?
Yes. The FNBO Rewards Secured Credit Card earns 1 point per $1 on every purchase and reports card activity to all three credit bureaus, which helps you build a positive credit history. As with any secured card, a refundable deposit is needed to open the account and set your limit.
Do FNBO cards charge foreign transaction fees?
Some do. The FNBO Complete Rewards Visa Signature Card charges a 3% foreign transaction fee, so it is best kept for domestic spending. Check the pricing information for other FNBO cards, such as Evergreen, before you use them abroad, and carry a no-foreign-fee card for travel.