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

• They are inquiry sensitive.
  • Approved: 1 (6/12),
  • Approved: 4 inquiries in the last 3 months, 6 inquiries in the last 6 months, 21 inquiries in the last 2 years
• They offer credit limit increases, smaller increases will result in a soft pull and larger increases in a hard pull.
• You can check your application status here.
• Business cards do not report to your personal credit report
• Usually pull Experian
• Product changes are not possible
• You can call reconsideration, but it might be better not to.
• They do not combine credit pulls if you apply for multiple products on the same day.

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.

• What their annual fee refund policy is like
• If their sign up bonuses are churnable
• If there is anyway to check for pre-approved offers
• If you can reallocate your credit limits
• If they’ll match higher sign up bonuses
• If they offer expedited shipping
• If they merge multiple inquiries
• Maximum number of cards they allow
• If their business cards report to your personal credit bureau

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:

• Citi Store Credit Cards
• Synchrony Bank
• Comenity Bank
• TD Bank
• USAA