First National Bank of Omaha (FNBO) Credit Cards: List, Rules & Best Offers

First National Bank of Omaha (FNBO) is one credit card issuer that doesn’t get a lot of attention and because of that the information surrounding their cards is incredible scattered. In this post we will consolidate all the information we know about FNBO as well as list all of the credit cards they offer, with the current best offers.

Rules & Things To Know

List Of Cards & Best Offers

In this list we are only including cards that have links for direct sign up. FNBO rolls out a lot of targeted offers with different names (e.g Complete Rewards, Bucks Back).

Complete Rewards Visa

Read our full review of this card

Earns up to 2% cash back on all purchases and comes with a $50 sign up bonus. This is the highest bonus we’ve seen on this card.

M Life Rewards

Read our full review of this card

  • Card earns at the following rates:
    • 3x points per $1 spent at M life Rewards Destinations
    • 2x points per $1 spent on gas and at supermarkets
    • 1x point per $1 spent everywhere else
  • 1 Tier Credit for every point earned
  • Sign up bonus: 10,000 points after spending $1,000 in the first 3 billing cycles
  • Priority hotel check-in at M life Rewards Destinations
  • Automatic upgrade to Pearl status which includes…
    • Complimentary self-parking at Las Vegas M life Rewards Destinations
    • Buffet line pass at Las Vegas M life Rewards Destinations
  • No Foreign Transaction Fees
  • No Annual Fee

Card has always had the same sign up bonus.

La Quinta Returns Visa

Read our full review of this card

The best bonus on this card is 45,000 points total. You can see how much these points are worth here. As far as I know this is the best bonus that has been offered on this card.

Best Western Business Card

Read our write up on the 80,000 point bonus

This card’s bonus is split into two:

  • 48,000 bonus points after you spend $1,000 within three billing cycles
  • 32,000 bonus points when you spend at least $25,000 during each 12 billing cycle

This is the highest sign up bonus we’ve seen on this card.

Best Western Rewards Premium MasterCard

Read our full review of this card

  • Annual fee of $59 is waived the first year
  • 25,000 points after $2,500 in spend within the first three billing cycles
  • An additional 25,000 points after a total of $5,000 in spend within first six billing cycles
  • 20,000 points after $10,000 in spend during each 12 billing cycles (this is an annual bonus). This is paid out 4-8 weeks after the end of the twelve billing cycles, meaning you’d need to need to pay the annual fee to get it.
  • Card earns at the following rates:
    • 10x points on all Best Western purchases
    • 1x points on all other purchases
  • Automatic Platinum Elite Status
  • 0% introductory APR for 6 billing cycles on purchases and balance transfers (fee of 3% or $10 whichever is greater – this increases to 5%/$10 after introductory period ends)
  • 10% discount on Flexible Rate Stays at bestwestern.com

Best Western Rewards Card

Our review of this card

  • No annual fee
  • 10,000 points after $1,000 in spend within three billing cycles
  • An additional 10,000 points after $3,000 in spend within the first six billing cycles
  • Card earns at the following rates:
    • 3x points on all Best Western stays
    • 1x points on all other purchases
  • Automatic gold elite status
  • 0% introductory APR for 6 billing cycles on purchases and balance transfers (fee of 3% or $10 whichever is greater – this increases to 5%/$10 after introductory period ends)
  • 10% discount on Flexible Rate Stays at bestwestern.com

Best Western Secured Card

Our review

  • $40 annual fee
  • 5,000 bonus points after your first purchase
  • Card earns at the following rates:
    • 3x points on all Best Western purchases
    • 1x points on all other purchases
  • Basic Best Westen Rewards status (e.g none)
  • 10% discount on Flexible Rate Stays at bestwestern.com

ANA USA Credit Card

Direct link to card

  • Sign up bonus of 5,000 miles after first purchase
  • Annual fee of $70
  • Card earns 1 mile per $1 spent

Absolute Rewards Business Card

Our review of this card

  • o annual fee
  • No sign up bonus
  • Card earns 5x, then 1x (up to $25,000 in spend during a period of 12 billing cycles) on qualifying business expenses:
    • Telecommunication Equipment and Telephone Sales” (MCC 4812)
    • “Telecommunication services” (MCC 4814)
    • “Computer Network/Information Services” (MCC 4816)
    • “Cable and other pay television” (MCC 4899)
    • “Electric, Gas, Sanitary and Water Utilities” (MCC 4900)
    • “Photographic, Photocopy, Microfilm Equipment and Supplies” (MCC 5044)
    • “Computer and Computer Peripheral Equipment and Software” (MCC 5045)
    • “Commercial Equipment (Not Elsewhere Classified)” (MCC 5046)
    • “Office and Commercial Furniture” (MCC 5021)
    • “Stationery, Office Supplies, Printing, and Writing Paper” (MCC 5111)
    • “Stationery Stores, Office and School Supply Stores” (MCC 5943)
    • “Advertising Services” (MCC 7311)
    • “Computer Maintenance and Repair Services, Not Elsewhere Classified” (MCC 7379)
    • “Management, Consulting, and Public Relations Services” (MCC 7392)
  • Card earns 2x on gas and dining transactions up to $25,000 (then 1x)
  • Card earns 1x on all other purchases
  • Cell Phone Insurance: Up to $600 per claim/$1,000 per 12 months. $50 deductible.
  • 0% Introductory APR on purchases and balance transfers for first 6 billing cycles

Things We Don’t Know

Even after researching I have a number of questions about FNBO cards that I don’t have answers to. I’m hoping readers will be able to fill in the blanks in the comments.

Final Thoughts

If you can contribute to this page by answering any of the questions above, please do so. That way everybody will benefit from the knowledge shared. We’ve done similar posts with other credit card issuers, you can find those posts below:

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55 Comments
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Joe Jones
Joe Jones (@guest_1802310)
February 23, 2024 19:35

The ANA USA card reported to personal credit when I had it back around 2017-18.

Pang
Pang (@guest_1547732)
February 2, 2023 01:13

If their business cards report to your personal credit bureau: I dont’ think they do, I dont’ think i found my FNBO green biz card on my credit karma.

Matt
Matt (@guest_1527155)
January 5, 2023 18:41

I was rejected on a BW card for being out of their “advertising” area (California). Then a couple days later they sent me a snail mail add for their Getaway card.

harry Nguyen
harry Nguyen (@guest_1531953)
January 12, 2023 12:05

Wow interesting. I’m from Cali too. They would have rejected me too then and also for the ducks unlimited…

Fenspinbi
Fenspinbi (@guest_1484315)
November 9, 2022 13:07

Applied for the Amtrak Guest Rewards Preferred on 25 October, approved on Halloween with $13.1k limit, card arrived on 8 November. Pulled Experian, 16/24 with 14 inquiries, 759 FICO, 20 active cards. Initial application went to pending since I have an active fraud alert (data breaches at TAP Air Portugal and another place), but DID NOT CALL RECON, and waiting it out was the successful strategy. Called in to customer service a couple of times yesterday while activating the card, here’s the upshot:

Personal observations:
– Adding card to Apple Pay, Rakuten, and PayPal resulted in overzealous fraud protection locking the card. Got it resolved, but still cannot add to Do$h.
– Was able to immediately change the payment due date to my preferred date, effective next billing cycle.
– Requesting to lower cash advance limit will disable automatic credit limit increases. Future credit limit increases will then result in having to do so manually, and incur a HP. Wisely decided to let this sleeping dog lie.
– FNBO is transitioning to a new online account portal, so it was easy to set up autopay on the new interface, but other features are currently only available in the “classic” interface. No projected date for when the transition will be completed. Will have to switch back and forth between interfaces to access all account options for the foreseeable future
– Customer service agents were very friendly and helpful, with minimal wait time.

DOC Questions:
What their annual fee refund policy is like — TBD; will wait nine months before addressing this topic.
If their sign up bonuses are churnable — TBD; first account with FNBO.
If there is anyway to check for pre-approved offers — Unknown, although I’m getting offers via Amtrak account.
If you can reallocate your credit limits — Unknown, first account with FNBO.
If they’ll match higher sign up bonuses — Unknown, got the bonus in the qual period.
If they offer expedited shipping — Only for existing customers, not new accounts.
If they merge multiple inquiries — Unknown; first account with FNBO, one shot, one kill.
Maximum number of cards they allow — TBD; first account with FNBO.
If their business cards report to your personal credit bureau — Unknown

Hope that helps.

wilsonhammer
wilsonhammer (@guest_1439413)
September 6, 2022 18:32

is their credit card footprint nationwide? how about deposit accounts?

joseph scott
joseph scott (@guest_1403436)
July 1, 2022 17:22

i need to talk to customer service about a charge that should not be i tried to call but got nowwhere i need to hear from a person that is human . thank you

Troy
Troy (@guest_1296543)
December 8, 2021 13:08

FNBO Still does NOT combine pulls for biz+personal. Did back to back, with instant approvals, and instant notifications for a pull each time.

Jason
Jason (@guest_1236497)
August 10, 2021 00:45

50k limit. Online letter, then approval. Card just showed up today after my personal 35k personal. CL 748-778. Pretty sure just Fico8 TU, n Equifax. AZ. Tied my highest, Barclay Arrival 45k before. I’m grabbing the mower n now to cut the grass a bit… rest n wow! Never need it but great to have! Good Luck 👍

Stick with it folks. 3 years ago I was low 600. Busted ass, stupid. It’s easy! DCA and save. If you gotta bite the bullet for bankruptcy the longer you wait, worse it’s gonna hurt you, not some computer generated score.

Michael
Michael (@guest_1157132)
March 10, 2021 23:11

Annual fee refund data point:

My wife and I both got the Best Western cards in May 2019…annual fees were charged a year later in 2020. Wife called to cancel and had to fight tooth and nail to get the fee refunded (as a “special exception”). They refused to refund mine, as I had made a small charge after the fee was charged to negate a credit balance (so all that would be left when I canceled was the annual fee) — they said no exception could be granted if you used the card after the fee was charged — I called 3 or 4 times to get different reps, and spoke to 2 supervisors, nobody would back down.

Going forward, I plan to calendar 9-10 months out from the date of application, and close to avoid that whole mess. I’d never run into these kind of problems with any of the dozens of cards I’ve had with other issuers.

Ali
Ali (@guest_792277)
August 1, 2019 12:46

Should probably add the Ducks Unlimited card to this list. 5% cashback for gas and sporting stores.