Posted by William Charles on September 15, 2016
Credit Cards

Published on September 15th, 2016 | by William Charles


FNBO Best Western Business Credit Card Bonus Now 80,000 Points (Previously 20,000)

The Offer

Direct link

  • First National Bank of Omaha have completely reworked the sign up bonus on their Best Western Business Credit Card. You can currently each a sign up bonus of up to 80,000 points:
    • 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


Card Details

  • No annual fee
  • Card earns at the following rates:
    • 3x points on all Best Western purchases
    • 1x points on all other purchases
  • Automatic platinum elite status and gold elite status for employees
  • 10% discount on Flexible Rate Stays at

Award Nights

Most people will want to use their Best Western points for award nights at Best Western properties. There are eight different tiers, if you don’t have enough points for a full nights stay you can use a cash + points option to purchase additional points at a rate of $1 = 100 points (1¢ per point). Here are the different categories and their cost:

  • Category one: 8,000 points
  • Category two: 12,000 points
  • Category three: 16,000 points
  • Category four: 20,000 points
  • Category five: 24,000 points
  • Category six: 28,000 points
  • Category seven: 32,000 points
  • Category eight: 36,000 points

Unfortunately Best Western does not provide a list of what properties fall into what category. I think the easiest way to view how much a property will cost is by using a third party tool, unfortunatelyHotel Hustle doesn’t contain Best Western data – but Award Mapper has you covered.

I looked at a couple of completely random hotels and dates and this is is what I found:

  • Category three property (16,000 points), cash rate was $89 (0.556¢)
  • Category six property (28,000 points), cash rate was $63.09 (0.225¢)
  • Category seven property (32,000 points), cash rate was $150.87 (0.471¢)
  • Category eight property (36,000 points), cash rate was $173.73 (0.483¢)

As I said, this is a pretty small sample size and just completely random but gives you some idea of the value of these points (which I’ll touch on more later)

Our Verdict

Previously the bonus on this card was 10,000 points after $1,000 in purchases within first three billing cycles and An additional 10,000 points after a total of $3,000 in spending within first six billing cycles. It’s a shame this new bonus requires $25,000 in spend to receive the additional 32,000 points, that’s really just an extra 1.28 points per dollar spent. The Premium Card has a 50,000 sign up bonus (with 20,000 anniversary bonus).

I’d probably value Best Western points at around 0.4-0.5¢ if you regularly pay cash for Best Western properties, realistically that’s not the case for most people and even if it was you’d be able to get other discounts and points for completing paid stays so they are probably worth closer to 0.25-0.3¢ a piece. This means that the annual 32,000 point spending bonus isn’t really worth going for as you’d be better off putting your purchases on a 2% cash back card or higher. The remaining 48,000 point bonus would be worth say $240 on the high end and $120 on the low end.

Another thing worth considering is that FNBO will generally not approve you if you have a lot of new accounts on your credit report.


20 Responses to FNBO Best Western Business Credit Card Bonus Now 80,000 Points (Previously 20,000)

  1. SG says:

    You probably meant 100=$1 (1000)

  2. Preacher says:

    Is it tough for churners to get approved from this bank?

    Just booked a $190 Premier room in Yangon yesterday, 12K BW points. I like the MBNA offer better: 40K after first purchase, but I get it that not everyone can double dip in Canada.

  3. Kent C says:

    That $25,000 spend is excessive. Get over yourself FNBO. That 32,000 bonus will get you around $150 of value + 25,000 points for the spend, another $120 (let’s be generous) in value, so $270 in value for spending $25k. That equates to .0108 or about 1% cash back. Bleh. Yuck.

  4. Jason says:

    Even a 1.5% card is better for spending 25K, that is $375, assuming 32K points = 32K/100 = $320 cash

  5. Becca says:

    One other option you have with redeeming BW points is that you can get BW Travel cards. A $50 card goes for 11,000 pts and a $100 card costs 22,000 pts (with status – the costs are a little higher without elite status). That works out to about 0.45 cpp. The travel cards are used toward the cost of your stay when you check in. If you are using a travel card toward the cost of a stay, you can still register for promotions and earn points on the stay, plus the travel cards can be used on any room, not just rooms that can be booked with points. Also, it’s possible to use more than 1 travel card per reservation.

    • Terri Clark says:

      Thanks for that info, I didn’t know you could use a travel card to get the room you want. I wanted to book a balcony view room and wasn’t able to with points.

  6. pete says:

    any idea what “new activity” means in terms of not being approved…one week? one month? 6 months? I’ve done 7 this calendar year…but only 1 in the past 3 months.

  7. Corey says:

    Saw better offer of 50,000 points for $1000 spend and then 20,000 bonus after 5k in 12 months. 20x on spend at hotel.

  8. Ivan says:

    The bonus is worth more than $240 if you know where to use it. Try Paris or Rome. They have some hotels that are 24K points.

  9. TomT says:

    “32,000 bonus points when you spend at least $25,00 during each 12 billing cycle”. The seond should be corrected to read $25,000

  10. Jeremy says:

    The business card also gets 3x points on business expenses with the MCCs being listed in the T&C.

Leave a Reply

Your email address will not be published. Required fields are marked *

Back to Top ↑