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:

• 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.