Posted by William Charles on August 4, 2016
Credit Cards

Published on August 4th, 2016 | by William Charles


FNBO Complete Rewards Review – 2% Back On All Purchases + $50 Sign Up Bonus

First National Bank of Omaha have been testing multiple different 2% credit cards recently (see: BucksBack). They now also offer the Complete Rewards Visa card, here are the details and quick review:

complete rewards

  • Earn a $25 sign up bonus when you make a purchase within the first three billing cycles (valid until October 5th, 2016), can be doubled as below
  • No annual fee
  • Earn 1% back on all purchases
  • Redeem your rewards into your checking, savings, mortgage or NEST 529 account for a higher value of 2% back
  • Rewards don’t expire
  • 0% introductory APR for first 15 billing cycles on purchases

Our Verdict

I’m going to keep this review short because 2% cards are so common now, I’d think that the Fidelity Visa is going to be a better option for basically everybody because it’s basically identical but comes with a $100 sign up bonus. 2% cards are great and I think a lot of people would benefit from one, but they are a dime a dozen these days and this card doesn’t really add anything. Especially when you consider most people don’t really have any spend that isn’t on specific categories, that also isn’t being used to meet minimum spend requirements.

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Jeff H
Jeff H

Key for this card is to have a banking relationship with FNBO in order to deposit your Cash Back Rewards at the 2% rate. Otherwise, it is only 1%. So shop the offered checking/savings accounts first then consider that as part of your decision process.
Hard Pull will most likely be Experian

My experience is FNBO is fairly conservative on initial CL., but I did get a significant CL increase in under 6 months without a hard pull on the BucksBack card which is no longer offered to new customers. A larger CL could be sought if you agree to new hard pull.
FNBO holding company owns banks in other states as geographically diverse as Texas to Illinois. Check their website. There have been reports they seldom give new accounts outside their service states.
I live in their service area.
Another thing to be aware of is DoC has reviews of other banks with First National Bank in the bank name that are not the same holding company ownership.


Does anyone use FNBO AMEX to load Serve?

James Carson
James Carson

Is FNBO banking (and therefore the double cashback) restricted to particular states?

Jeff H
Jeff H
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