Important Information
See the Summary of Credit Terms link for each product listed above for important information on rates, fees, costs, conditions and limitations. Minimum monthly payments required. A balance transfer fee1 of 5% (minimum $10) applies to each balance transfer you make.
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.
Q: If I request a balance transfer, will you process the entire amount that I requested? A: We will do our best to accommodate your request. If you are approved, we may permit you to transfer balances from other eligible credit cards or accounts up to the amount of your credit limit we make available for balance transfers (which may be less than your total assigned credit limit). If the total amount(s) requested to be transferred exceed(s) the portion of your assigned credit limit for balance transfers, we may process part of your request or decline your request in our sole discretion. You cannot request a balance transfer to make payments on a First National Bank of Omaha account or any credit card account issued by First National Bank of Omaha.
1 For additional information about Annual Percentage Rates (APRs), fees and other costs, please see the Summary of Credit Terms link for each product listed above.
2 See the Rewards Terms and Conditions in the Summary of Credit Terms link for the rewards product listed above for details, including earning, redemption, expiration or forfeiture. Your % back rewards are earned as points.
3 You may only charge up to your approved credit limit, which will be less than the deposit you provide. The amount of your security deposit is 110% of the amount of your credit limit. Your security deposit may not be refundable if your account is in default.
4 See the Deposit Agreement available when you apply for details.
5 Complete program details Including restrictions, limitations, and exclusions will be available when you become a Cardmember.
6 Visa’s Zero Liability policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use.
7 Under the Visa SavingsEdge® program, businesses having a Visa® business card can receive discounts from participating merchants each time the business card is used to make a qualifying purchase. Certain conditions, limitations and restrictions apply. Please visit www.visasavingsedge.com for complete details on the program, including the program terms and conditions.
Cards are issued by First National Bank of Omaha (FNBO®), pursuant to a license from Visa U.S.A., Inc. VISA is a registered trademark of Visa International Service Association and used under license.
