FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Commercial Card Payment Solutions
Maximize working capital and improve efficiencies by incorporating a commercial card in your payments process.
Benefits For Your Business
Improve Cash Flow
Optimize cash flow by leveraging extended float and uncovering inefficiencies in your payment process.
Reduce Fraud
Reduce fraud and overspending by utilizing purchasing approvals and managed controls.
Rebates and Rewards
Access rebate and rewards opportunities designed to meet your business goals and spending patterns.
In-House Capabilities
Our dedicated FNBO team manages every step—from implementation to ongoing support—delivering a seamless experience
Introducing Our Reimagined Commercial Cards
Experience functionality and sophistication with our newly redesigned commercial cards.
The refreshed portfolio features:
- Premium Aesthetics - Sleek, modern design elements that make a statement
- Enhanced Durability - Built to withstand the demands of business travel and daily use
- Distinctive Features - Raised details and premium finishes that reflect your company's professional standards
Our redesigned Commercial, Purchasing, and VOX® cards don't just look better—they represent our commitment to providing cutting-edge payment solutions that work as hard as you do.
The evolution of your business deserves payment tools that reflect your professional excellence. Welcome to the next generation of FNBO commercial cards.
New design. Raised detail. Premium finish.
- Commercial Card
- Purchasing Card
- Virtual Card
Commercial Card
Give your employees a convenient payment tool for Travel and Entertainment (T&E) expenses. A commercial card offers your organization the control and flexibility to easily monitor and manage expenses and view complete spending data to secure vendor discounts.
Key Benefits:
- Revenue Share or Rewards: receive cash back or redemption points for your business.
- Flexibility: Provide a safe, versatile and controlled payment method for employees.
- Robust Reporting: Monitor company spending and code to general ledger accounts.
- Gain Control: Promote compliance with travel policies and spending limits.
- Global Acceptance: Welcomed at more than 40 million merchants.
Purchasing Card
Receive goods faster, negotiate discounts with suppliers and easily manage company billing accounts. Streamline your payables, optimize cash flow and gain better insights into your spending.
Key Benefits:
- Streamline Payables: Reduce administrative costs through automated payables.
- Reporting: Monitor company spending and code to general ledger accounts.
- Cost Reduction: Negotiate vendor discounts and realize efficiency savings.
- Purchase Controls: Set policies for spending and limit controls.
- Improve Cash Flow: Use float to free up cash to run, grow, and invest in your business.
- Global Acceptance: Welcomed at more than 40 million merchants.
Virtual Card
Simplify paying your suppliers while adding extra security to mitigate fraud with a virtual card payment solution.
With a virtual card solution from FNBO, you can:
- Streamline accounts payable and simplify the reconciliation process.
- Mitigate fraud with one-time use card numbers and extensive controls.
- Optimize cash flow by shortening your business’ cash conversion cycle and accessing additional working capital.
- Leverage vendor enablement throughout the lifecycle of your program, saving you valuable time and resources.
Learn if our virtual card payment solution is right for your business by connecting with our team.
Supplier Enablement
Supplier enablement is key to a successful card program, yet it can be a manual process for your staff. FNBO is here to take the lead and obtain enrollment from your vendors throughout the lifecycle of your program, saving you valuable time and resources.
Frequently Asked Questions
Whether you need 1 or 500 cards, there's no annual card fee.*
Out-of-the box standard reporting and customizable reporting is available to help you manage your business.
Yes. Place your company logo in black or white on cards for free or create a custom design for a fee.
Commercial cards offer customizable controls that other payment methods don't have to help you manage your business such as real-time reporting and immediate on/off controls.
Compared to other payment methods, card payments can be less expensive and less susceptible to fraud. Card payments can also help maximize working capital and improve efficiencies.
A Virtual Card is essentially a digital version of a traditional payment card. It features a unique, 16-digit card number, security code, and expiration date but without the physical plastic form. These cards can be used anywhere a traditional card is accepted.
Yes. Learn about FNBO’s small business credit card solutions here.
Cards are issued by First National Bank of Omaha, pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of Visa International Service Association and used under license. Cards are issued by First National Bank of Omaha, pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
*For additional information about Annual Percentage Rates (APRs), fee and other costs, please see the Summary of Credit Terms provided at time of application. Annual fees pertain to cost of cards. Annual fees pertain to cost of cards. Interchange fees and other card associated fees still apply.
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© 2025 First National Bank of Omaha (FNBO). All Rights Reserved. 1620 Dodge Street, Omaha Nebraska, 68197
FNBO is an Equal Opportunity/Affirmative Action/Veterans/Disability Employer.
NMLS 412727
Only deposit products are FDIC insured.
Investment Products are: NOT FDIC INSURED • NOT A DEPOSIT OR OTHER OBLIGATION OF THE BANK • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NOT GUARANTEED BY THE BANK • MAY LOSE VALUE