Posted by William Charles on January 10, 2017
Credit Cards

Published on January 10th, 2017 | by William Charles


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

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

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

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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FNBO also does the ANA MIleage Club USA credit card. $0 first year, additional year $70. First purchase gets you 5000 miles, and 3000 within 3 months gets you a second 5000 miles.


FYI, interestingly, the ANA credit card offering page has the credit card with a Visa Business logo. Is that an error? Never noticed that before.

The Value Traveler

Their reconsideration dept is tough ; with even a score of 800+, I was rejected initially for the LQ Visa card, but after 90 days, I reapplied and got it. Weird.


Applied for the best wester cc. Denied due to to many inquires. Call recon and still a denial. 770 credit score 15 /24


I had like 36 inquiries in last 24 months, applied for BW card, it went pending. 10 days later approved. My suggestion is DO NOT CALL RECON , let it work its way through.


I would echo the value travelers comment. Recon is tough. I have the Amex cash back card and tried to apply for their Absolute rewards business card but was denied because of too many inquires.

I believe I called recon 3 times and offered to move credit around but. It was a no go. Analyst said the only reason of denial is too many inquires and I should let them age 6 months and apply again.

I suggest to send something in writing and the rep said it may or may not work. Still no go.

But since that application I have incurred a lot more inquiries so I’m scared to apply right now.

Jeff H
Jeff H
Jeff H
Jeff H

FNBO business card offerings

I have had the Business Edition® Visa® Card with Absolute Rewards for two billing cycles. As far as I have seen, this card is NOT on my personal credit bureau reports.


I have the BW Rewards Premium card and applied for the BW Business card to get the bonus. I was denied due to too many new accounts and inquiries which was upheld when I called recon. At the time I was probably around 12 or 15 new accounts in 2016.

I’ll hit it up again in 2018 after all my new accounts have aged and see if it works.


Friend of mine got the CC (but don’t know which one and don’t know if she had bank account with Omaha) in 2014, credit score less than 700 with no credit history, that being said, the Omaha CC is her first CC. In New York and pulled Experian only as her Trans Union and Equifax had no score. $7000- $7500 credit line.

She told me a year later (2015) she applied for a Macy card in store but was denied. Does that mean this CC is easy to get (at least easier than store card) ?

Matt P
Matt P

I went pending and was approved for the Best West premier. Lots of inquieries and cards. Wife was denied but her credit profile was shorter. I hit the min spend legitimately because it’s harder to slip through at smaller banks. Posts posted shortly after the statement close. I had to email best west to get the correct status applied to my rewards account since it didn’t show up automatically, but that was pretty painless.


FWIW, My husband has had a FNBO card since 1996 and it’s been nothing but trouble. It would be closed, but seeing as it’s 20 years old and no AF, it stays in the sock drawer.
They have a lovely habit of failed auto pays and no notifications when it fails. It’s nearly impossible to get to a 0 balance if auto pay has failed. You pay the balance in full, but then the interest on that balance will appear on the next statement. Pay it off and there is interest on the interest, etc. Not sure if that’s normal bank behavior as we don’t ever carry a balance?
Another thing to note, our card number has been stolen at least 10 times in recent memory. It’s so bad we just assume it will be stolen once every few months. When they issue a replacement card, it starts a “new” account on your credit report. Not the worst, but clutters up your credit report with all the “different” accounts.
They also do a hard pull for credit increases. As well as decreasing your limit (20k to 13k) if you use a large amount of your credit line during the month. Fun! So yeah, we hate them.


I love fnbo, i wish I could get in with them. Want to start receiving mailers again! They had a 1.5% cash back amex with 6.5 now 6.75%v apr which is awesome sometime in the last 18 months. Wish I could have got it!

Jeff H
Jeff H

DP = NOT final answer to question how many cards one can have
I have Gas & Groceries 3% – I have received one CL increase without asking.
/ Bucks Back 2% every thing I asked for a soft pull CL increase successfully and since then received on CL without asking.
/ modest line of credit tied to.automatically cover checking account
/ Absolute Rewards Business card.
I previously closed an every day card several months before applying for Bucks Back.

The first two cards are not currently offered.

Jeff H
Jeff H

Bucks Back Visa (FNBO) First got this card Dec 2015. Counting today, I have had three soft pull credit line increases. Rep has screen to tell them if hard pull required for credit line increases. Every six to eight months when you ask, they can ask income and house payment. Then CSR screen gives soft pull CL increase offer.. For me, those have been about 30 percent increases as soft pull.


My Best Western Rewards Premium card came up for annual fee. Called to see if any retention offers. No offers, no ability to downgrade to no-fee card.

My options were to cancel card or pay annual fee. I chose to cancel and they moved my credit line to another card.

One other data point: I got the 20,000 bonus points for spending $10k on the statement I hit $10k and didn’t have to wait until the end of the first year. Maybe that was a special promo from when I signed up – I’m not sure.


First time poster. These guys are brutal. I applied for a FNBO Travel Elite Amex Card. Instantly declined and given a message that a letter explaining why would be sent in 7-10 days. After 23 days of not receiving any letter, I call in. I get routed to the recon dept, and the guy starts talking about too many inquiries. He then says that no matter what he could not open a recon on this because it is already past 20 days. He says if I want to be considered, I will have to fill out a new application. I point out to him that the app would have at least one more, this inquiry from 23 days ago, on it. How is this going to help me when FNBO is so inquiry sensitive? He just acts like this is out of his control, but I try to point out to him how illogical this is. BTW, I have an 800+ FICO score, with a credit utilization rate of under 2% and a steady, 6 figure income. All of my purchases on cards are legit; I never do MS. I asked how would I know that this app was going to go inactive after 20 days, if I never received the letter from FNBO. SMH.

In general, I am finding it much more difficult to obtain new cards from banks in 2017. There are so many people writing about this hobby and with all of the mainstream media coverage that is out there regarding credit card bonuses, I am thinking that the fun is going to be coming to an end soon. Good luck to everyone.

BTW, This was the number I used for recon: 888-530-3626.

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