First National Bank of Omaha

First National Bank of Omaha, commonly known as FNBO, is one of the largest privately held banks in the United States and has been based in Omaha, Nebraska, since 1857. FNBO operates as a significant credit card issuer, managing card programs directly and through partnerships with other organizations including retailers, airlines, and other brands.

FNBO's credit card lineup includes rewards cards designed for consumers with good to excellent credit. Products include cards with cash back rewards, travel rewards, and co-branded cards tied to partner brands. Rewards cards from FNBO typically earn points or cash back on purchases made with the card, and some offer bonus earning rates in specific spending categories such as dining, travel, or fuel.

For rewards cards, the most cost-effective approach is to pay the full statement balance each month before the due date. Doing so avoids interest charges entirely, meaning the rewards you earn represent a genuine benefit. Carrying a balance from month to month means interest accrues at the card's stated annual percentage rate, which can quickly outweigh the value of any rewards earned.

FNBO also issues cards for consumers rebuilding credit, including secured card products that require a security deposit. A secured card's deposit becomes the credit limit. These cards report activity to the major credit bureaus, which can help build your credit profile over time.

FNBO is FDIC-insured. Specific card products, rates, fees, and eligibility requirements vary. Review the full cardholder agreement for any FNBO card you are considering, including the APR, annual fee, and rewards terms, before applying.