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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Ali
Ali

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

Luke
Luke

Denied for Best Western Rewards card. They pulled Experian. 18 Inquiries and 23/24. Should have looked at this page first lol.

MickeyMouse
MickeyMouse

Can you add gr Sunny country card?

MLife Guy
MLife Guy

Got a personalized MLife Rewards Mastercard “Invitation to Apply” from the MLife marketing team. Took the time and made the effort to do so, only to be rewarded with a decline. I’m mid-700’s FICO, very low debt, high income, thick credit file, no derogs, payoff all credit cards monthly. I travel to Vegas multiple times per year and spend a lot of money at MGM properties there for recreation, current MLife Platinum status. There is no better prospect to issue this card to than someone with my profile! Called the FNBO recon line twice, no help. FNBO is doing a gigantic disservice to MGM in how they are treating MGM customers! MGM and their Loyalty Marketing department would be well served to transfer their MLife credit card business to someone other than First National Bank of Omaha.

jonflow
jonflow
CyberUser
CyberUser

A few weeks ago I completed my 2nd CLI w/ FNBO. Both were $5K increases offered by the system. I called the number on the back of the card and asked the CSR if a credit limit increase was available WITHOUT a hard inquiry. They asked for my updated household income and my monthly housing expense (rent or mtg if you own). The system then came back with an increase of $5K each time that was available immediately with just a soft inquiry. The two requests were completed about 10 months apart. I rarely use this account and put a small charge on it like every 6 months. I think I read some where you can do this like every 4-6 months esp. if you put regular charges on the account. Can’t confirm since I don’t put regular charges.

Shaun
Shaun

Approved for Travelite 10/12 (11/24) If they’re sensitive I was probably right at their limit.

Dan
Dan

Since FNBO is so inquiry sensitive, anyone know if it helps to have existing relationship (specifically a checking or savings account). Similar to US Bank or Wells Fargo

AL
AL

I really can’t figure them out. Last year I got a pre-approval postcard with no relationship. It was curious because I had hit credit card applications pretty hard last year. Last month, my wife got a a pre-approval postcard after hitting applications up pretty hard also with no relationship.
We both have really good credit, but sometimes when he hit the new apps hard we get a low credit limit…then inevitably, max out the card for that month to hit minimum spend before we pay it off. For that month our credit dips due to utilization. The next month our credit is right back where it should be. Basically the only theory I have about FNBO is that they send out pre-approval cards with a big jump in credit.

redditcredit
redditcredit

Sharing info: Submitted 2 apps on same day (12/24/2017)
1.) FNBO CashBack Visa; approved $10k
2.) FNBO Business Rewards Visa; approved $5k

Was hoping HP would be combined – Nope! 2 HP with Experian.

OC JJ
OC JJ

I recently applied FNBO travel elite card and didn’t get instant approval. Waited for 8 days and the card came in mail. (very happy) I had about 10 pulls from past 24 months, 1 pull from past 6 months to narrow down. FICO score more than 800+. Thank you.

James
James

I was denied for the Best Western Personal Premiere card for having too many accounts opened. There is a recon number listed in a comment on the DoC reconsideration page.

FNBO credit services/analyst: 800-444-6220, option 1.

I talked to Trevor, he was very nice. He said he would ask the department that approves/denies to review again, so it sounds like he can’t actually approve. My decline after recon came 3 hours after the phone call.