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Taz Visa®
Taz Visa®
- 29.99% variable based on the Prime Rate Regular Purchase APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Taz Visa® is a credit builder credit card that offers a platform for responsible use but little else. The card, from First National Bank, continuously monitors for credit limit increases, giving you the tools you need to demonstrate a positive credit history and graduate to more impressive rewards cards in the future.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Stay on top of your account with the Taz mobile app
- U.S. based customer service
- 24/7 zero liability fraud protection
- Taz regularly monitors for credit limit increases
- Regular Purchase APR: 29.99% variable based on the Prime Rate
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: 2% of the amount of each cash advance
- Annual Fee: See Terms
- Late Payment Penalty Fee: Up to $7.50
- Return Payment Penalty Fee: Up to $25
- You have bad credit and want to repair it with responsible use
- You can afford the steep annual fee
- You don’t plan on using the card to carry a balance
- You have a mail offer from Taz
Universal Rewards Plus Visa Signature®
Universal Rewards Plus Visa Signature®
- 21.99% to 28.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 21.99% to 28.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 28.99% variable based on the Prime Rate Cash Advance APR
- 0% for 6 months from account opening date Intro Purchase APR
At a Glance
The Universal Rewards Plus Visa Signature® Card offers up to 4% cash back on Universal purchases, plus provides 10% savings on eligible purchases within the park. Cardholders also enjoy special 0% APR financing for 6 months and more for a $99 annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 4% back in rewards on qualifying Universal purchases
- 2% back in rewards on Travel, Gas and Dining purchases
- Earn one single day theme park general admission ticket each account anniversary
- $99 annual fee
- Intro Purchase APR: 0% for 6 months from account opening date
- Regular Purchase APR: 21.99% to 28.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 21.99% to 28.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 28.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $15 or 5% of the amount of each cash advance, whichever is greater
- Annual Fee: $99
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $35
- You love theme parks but prefer Universal Studios
- You plan to keep the card year-after-year to take advantage of the single-entry reward
- You want basic cash back rewards on everyday purchases
Universal Rewards Visa Signature®
Universal Rewards Visa Signature®
- 21.99% to 28.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 21.99% to 28.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 28.99% variable based on the Prime Rate Cash Advance APR
- 0% for 6 months from account opening date Intro Purchase APR
At a Glance
The Universal Rewards Visa Signature® Card is a no frill rewards card that earns 2% back on eligible Universal purchases, 1% back on all other purchases, and more - for a $0 annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 2% back in rewards on qualifying Universal purchases
- 1% back on all other purchases
- 10% ff select merchandise, food and beverage purchases
- No annual fee
- Intro Purchase APR: 0% for 6 months from account opening date
- Regular Purchase APR: 21.99% to 28.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 21.99% to 28.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 28.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $15 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $35
- You love theme parks but prefer Universal Studios
- You don't want to pay an annual fee
- You want basic cash back rewards on everyday purchases
Amtrak Guest Rewards® Preferred Mastercard®
Amtrak Guest Rewards® Preferred Mastercard®
- 28.24% variable based on the Prime Rate Regular Purchase APR
- 28.24% variable based on the Prime Rate Balance Transfer APR
- 29.74% variable based on the Prime Rate Cash Advance APR
At a Glance
For those who prefer to travel with Amtrak, the Amtrak Guest Rewards® Preferred Mastercard® offers high-speed rewards, first-class perks, and more – for a $99 annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 3 points per $1 spent* on Amtrak travel, including onboard purchases
- Earn 2 points per $1 spent* on dining, travel, transit and rideshare
- 1 point per $1 spent* everywhere else
- Amtrak benefits, including station lounge passes, one-class upgrade certificates, and more
- Regular Purchase APR: 28.24% variable based on the Prime Rate
- Balance Transfer APR: 28.24% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.74% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $15 or 5% of the amount of each cash advance, whichever is greater
- Annual Fee: $99
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $35
- You travel often by train
- You frequently make purchases with Amtrak
- You're looking for a travel credit card with no foreign transaction fees
- You want to earn points through the Amtrak Guest Rewards® program
Amtrak Guest Rewards® Mastercard®
Amtrak Guest Rewards® Mastercard®
- 28.24% variable based on the Prime Rate Regular Purchase APR
- 28.24% variable based on the Prime Rate Balance Transfer APR
- 29.74% variable based on the Prime Rate Cash Advance APR
At a Glance
For those who prefer to travel with Amtrak, the Amtrak Guest Rewards® World Mastercard® is a smart piece of plastic to have around, as it rewards cardmembers early and often.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 2X points on Amtrak travel, including onboard purchases, and dining
- Earn 1X points on all other purchases
- No annual fee
- Regular Purchase APR: 28.24% variable based on the Prime Rate
- Balance Transfer APR: 28.24% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.74% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $15 or 5% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $35
- You travel often by train
- You frequently make purchases with Amtrak
- You're looking for a travel credit card with no foreign transaction fees
- You wish to earn points through the Amtrak Guest Rewards® program
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About First National Bank of Omaha (FNBO) Credit Cards
FNBO is a name that often pops up with store and retail credit cards, but what is it? The FNBO brand (formerly First Bankcard) offers a full suite of banking services to customers in the Omaha, Nebraska area, while also partnering with hundreds of companies to launch co-branded credit cards. Through these partnerships, FNBO offers its expertise, products, and services to create quality credit card offers.
What Brands Partner with First National Bank of Omaha?
Like other card issuers of retail credit cards, FNBO teams with various partners to launch both open-loop and closed-loop credit cards. But what does that mean? Here’s what you need to know about open and closed-loop credit cards:
Open-Loop FNBO Cards
An open-loop credit card is a type of credit card that is part of a payment network operated by major companies like Visa, Mastercard, American Express, and Discover. These cards are widely accepted and can be used at a wide range of online and in-store merchants that are part of the respective payment network.
First Bankcard offers open-loop credit cards with an exciting selection of travel, retail, and other partners, including:
The bank also issues open-loop proprietary credit cards, including the Evergreen® by FNBO Credit Card, Getaway by FNBO® Credit Card, and the credit-builder Secured Visa® Credit Card.
Another popular First Bankcard credit card is the Ducks Unlimited Visa®. The no annual fee credit card from the conservation group Ducks Unlimited previously offered 5% back on gas purchases – although that rate is now 1.5% back on all purchases.
Related Article: The Best Credit Cards for Gas Rewards
Closed-Loop FNBO Cards
A closed-loop credit card, on the other hand, is a credit card that is limited to being used within a specific network of merchants or a particular retailer. These cards are typically issued by a specific merchant or retailer – just like a co-branded open-loop card – but they can only be used to make purchases at that merchant’s locations or on their website.
Common Features of FNBO Cards
Card issuers often have similar features for many of their credit products, and First Bankcard is no different. Here are some of the things to be on the lookout for when browsing FNBO credit card offers:
- Annual fees: Many FNBO credit cards feature a $0 annual fee, but others may charge one. The Amtrak Guest Rewards® Preferred Mastercard®, for example, has a $99 yearly fee, while the Amtrak Guest Rewards® Mastercard® charges no annual fee. Make sure to gauge your particular cost-to-benefit for the card you’re eyeing before applying.
- Higher APRs: Like other retail card issuers, FNBO credit cards tend to have higher interest rates than other types of rewards credit cards. Â You may incur significant interest charges if you plan on carrying a balance beyond any promotional periods.
- Easier Approval Odds: Retail credit cards have easier approval odds because they feature more restrictive rewards, lower credit limits, and fewer additional perks. That said, FNBO offers pre-qualification for many of its credit cards. This process can help you avoid a hard inquiry on your credit report if you don’t pre-qualify for the card before applying.
- Rewards: Many First Bankcard credit cards feature rewards programs tied to the loyalty programs of brands in the hotel, airline, retail, gas, automotive, and other sectors.
FAQs About First National Bank of Omaha (FNBO)
Still have some lingering questions about FNBO and its credit cards? Here are answers to some of the commonly-asked questions about FNBO:
You can mail checks and payments to FNBO at:
Bankcard Payment Processing
PO Box 2557
Omaha, NE 68103-2557
FNBO aims to send cards to new cardmembers within 10-14 business days after approval.
You can contact FNBO at 1 (800) 642-0014.
FNBO pulls from all three credit bureaus, so it’s impossible to say in advance which report it might use.
Editorial Disclosure – The opinions expressed on BestCards.com's reviews, articles, and all other content on or relating to the website are solely those of the content’s author(s). These opinions do not reflect those of any card issuer or financial institution, and editorial content on our site has not been reviewed or approved by these entities unless noted otherwise. Further, BestCards.com lists credit card offers that are frequently updated with information believed to be accurate to the best of our team's knowledge. However, please review the information provided directly by the credit card issuer or related financial institution for full details.