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Platinum Edition® Visa® Card

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Summary of Credit Terms
Platinum Edition Visa Card

Platinum Edition® Visa® Card

Account Summary

  • 0% introductory APR1 for the first 15 billing cycles on balance transfers. After that, a variable APR1 based on the Prime Rate between 11.74% and 19.74% APR depending on your creditworthiness.
  • No annual fee.1
  • $25 statement credit when you make a purchase within the first 3 billing cycles.2
Please see the Summary of Credit Terms for important information on rates, fees, costs, conditions and limitations. An introductory balance transfer fee1 of 3% for the first 15 billing cycles applies to this offer (minimum $10). After that, a balance transfer fee of 5% applies to each balance transfer that you make (minimum $10).

You must pay your entire statement balance (including all promotional purchase and balance transfer balances) by the due date each month to avoid being charged interest on new purchases from the date those purchases are made, unless your new purchases are subject to a 0% interest rate.


Additional Features3

Fraud Protection

We monitor your account 24/7, and if we suspect fraudulent activity on your credit card, we notify you immediately.
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FICO® Credit Score

View your FICO® Credit Score each month online for free. Knowing your FICO® Credit Score can help you maintain or even improve your financial health.

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Zero Liability4

Our 24/7 guarantee that you won’t be held responsible for fraudulent charges made with your card or account information.

Auto Rental Insurance

Receive coverage, at no additional cost, for damage due to collision or theft up to the actual cash value of most rental vehicles.

Extended Warranty

Covers exactly what the original U.S. warranty covers up to a maximum of one additional year. If covered damage or breakage occurs, the item will be repaired or replaced.

Travel Accident Insurance

Receive coverage for common carrier accidental death or dismemberment, at no extra cost, when you charge your entire travel fare to your card.

Purchase Protection

Will replace, repair or reimburse you for eligible items of personal property up to $1,000 per claim for 90 days from the date of purchase due to covered reasons.

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Important Information

1 For additional information about Annual Percentage Rates (APRs), fees and other costs, see the Summary of Credit Terms.

2 You will earn a $25 statement credit after the first purchase is posted to the Account within the first 3 billing cycles after the Account is opened. Please allow 6-8 weeks after you qualify for the statement credit to be applied to your credit card account.

3 Complete details, including restrictions, limitations and exclusions, will be available when you become a Cardmember.

4 Visa's Zero Liability policy covers U.S. issued cards only and does not apply to PIN transactions not processed by Visa or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.visa.com/security.

Cards are issued by First National Bank of Omaha. VISA and VISA SIGNATURE are registered trademarks of Visa International Service Association and used under license. American Express is a federally registered service mark of American Express, used by First National Bank of Omaha, pursuant to a license from American Express.

FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. Please note, new cardmembers will generally see their FICO® Bankcard Score 9, the version of FICO® Credit Score we use to manage your account, within 45 days of account opening.