FNBO Credit Card

The first National Bank of Omaha (FNBO) is the largest private commercial bank in the United States with over 6 million customers across the country.
 

   
FNBO has more than 35 branches in three states including Iowa, Texas, and Nebraska. As part of its services, FNBO offers a variety of credit cards ranging from personal to business. The Platinum Edition FNBO credit card is just one of the credit card series it offers.

The Platinum Edition is considered to be the premier credit card from FNBO. What does a Platinum Edition FNBO credit card offer? First, it comes in Visa and MasterCard so worldwide acceptance is not a problem. Second, it offers three types of protection programs to cardholders: the Purchase Protection program that shields from theft and damage, the Extended Warranty program that doubles the warranty of all US-manufactured purchases, and a Travel Assistance program for emergencies during travel that includes a Travel Accident Insurance and discounts on selected auto rental agencies.

The Platinum Edition® MasterCard® Card is the Platinum FNBO credit card from MasterCard. It comes with a zero annual fee offer and an introductory APR of 0% for the first six months. After this period, the purchase APR will range from 9.99% to 16.99%, depending on the credit worthiness of the Platinum FNBO credit card holder. The same rates apply to balance transfers. However, for cash advances, the APR is a variable 25.24%. When a cardholder misses a payment, a penalty APR of 29.99% will be applied. Other fees include a $1.75 minimum finance charge, a foreign transaction fee of 3% of the amount in U.S. dollars, a cash advance transaction fee of 5% of the amount or $15, and a balance transfer fee of 4% of the amount or $10. The penalty fee for late payments is $35 for current balances below $500 or $39 for those starting from $500. A 21-day grace period is given to pay for balances without the interests.

The Platinum FNBO credit card from Visa is the Platinum Edition® Visa® Card. The features and rates of this FNBO credit card are the same as those of the MasterCard. You just have to choose which company you prefer, Visa or MasterCard.

Those who want an upgraded version of the Platinum FNBO credit card can choose the Maximum Rewards® Platinum Edition® Visa® Card. In terms of fees and interest rates, it’s on the same page as the two previous cards (minus the introductory APR). However, it offers the added advantage of earning points for all purchases made on the card. Its Maximum Rewards program allows a Platinum FNBO credit card holder to earn at least 1.5 points for every dollar spent on qualifying purchases. These points, when accumulated, can be exchanged for gift cards, merchandise, or airline tickets. There is no limit to the number of points one can earn so you can keep on swiping for more rewards.


  

Source: Credit Cards For People With Bad Credit Rating


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