Platinum Edition ® Visa ® Card
Cards are issued by First National Bank of Omaha, which is referred to below as “we”, “us”, “our”, and “FNBO ® ”.
PLEASE NOTE: If you apply for a credit card, you may receive a Platinum Edition ® Visa ® Card, a Visa Signature ® Card, or we may decline to open an account for you. Eligibility for card products depends on the information provided in your application and your credit card history. The card you are approved for will determine your Visa benefits.
IMPORTANT RATE, FEE AND OTHER COST INFORMATION (SUMMARY OF CREDIT TERMS)
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases
0.00% introductory APR for the first 12 billing cycles.
After that, your APR will be 22.24% . This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers
0.00% introductory APR for the first 12 billing cycles.
After the first 12 billing cycles, your APR for new balance transfers will be 22.24%. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances
25.49% . This APR will vary with the market based on the Prime Rate.
Penalty APR and When it Applies
How to Avoid Paying Interest on Purchases
Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. 1
Minimum Interest Charge
If you are charged interest, the charge will be no less than $1.75.
For Credit Card Tips from the Consumer Financial Protection Bureau
Set-up and Maintenance Fees
Either $10 or 5% of the amount of each transfer, whichever is greater Either $15 or 5% of the amount of each cash advance, whichever is greater
Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater
3% of each transaction in U.S. dollars
When you become a cardmember, the Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published in The Wall Street Journal in May.
1 We will begin charging interest on cash advances and balance transfers on the transaction date.
Your account will generally have monthly billing cycles. However, your first billing cycle may be more or less than one month.
Payments on your account will be generally applied as follows: (a) the minimum payment amount will be applied to balances with the lowest APRs before balances with higher APRs; and (b) any amount you pay in excess of the minimum payment will be applied to balances with the highest APRs before balances with lower APRs.
Each balance transfer is subject to our approval and we are not liable if we do not make any balance transfer you request. We reserve the right to make balance transfers in the order we select and to limit the amount of the balance transfers that we make (this amount may be less than your total credit limit). If you ask for a balance transfer and we do not approve the full amount, we may either pay only part of the amount you asked for or decline your request. You may not transfer balances from other accounts you have with us or our related companies. In addition, we may not process a balance transfer request if it is incomplete, illegible or written to cash. Each balance transfer is subject to applicable fees and finance charges and does not have the benefit of an interest-free (grace) period.
Please consider the following when asking for a balance transfer: (a) To protect your rights, you should not transfer any amount that you dispute, (b) you should continue to make all payments due on the other accounts until you receive notice from them that they have been paid in full, (c) you are liable for any late payments, finance charges or disputed amounts on your other accounts, and (d) if you want your other accounts closed following a balance transfer, you are responsible for doing so.
your credit report.
What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
Married applicants may apply for separate accounts in their own names.
granted or an open-end credit plan is entered into, we are furnished with a copy of the agreement, statement, or decree, or have actual knowledge of the adverse provision. Married Wisconsin residents applying for credit separately must furnish name and address of their spouse to FNBO at P.O. Box 3437, Omaha, NE 68172-9981.
each applicant may be liable for all amounts of credit extended under this account to each joint applicant.
in court or have a jury trial, discovery and appeal rights, and the right to participate in court or in arbitration as a representative or member of a class action. Please review the Cardmember Agreement and its arbitration provision carefully before you use or allow someone else to use an account.
The arbitration provision will not apply to you if, at the time your account is opened, you are a covered borrower under the Military Lending Act and U.S. Department of Defense regulations (32 C.F.R. pt. 232). For example, you would generally be a covered borrower if, at the time your account is opened, you are: (1) a member of the U.S. armed forces on active duty under a call or order not specifying a period of 30 days or less; (2) an active Guard or Reserve; or (3) a spouse or dependent of a person who qualifies under (1) or (2).
IMPORTANT REWARDS PROGRAM INFORMATION MARY KAY ® REWARDS PROGRAM TERMS AND CONDITIONS SUMMARY
Please read this Terms and Conditions Summary for important information about the Mary Kay ® Rewards Program (“Program”). First National Bank of Omaha, is referred to below as “we”, “us”, “our”, and “FNBO ® ”. FNBO is the issuer of the credit card account(s) (“Account”) and the sponsor of the Program. The Program is offered at our sole discretion.
Earn 3 points (equal to 3% back) for each $1.00 of Mary Kay Purchases posted to the Account.
Earn 2 points (equal to 2% back) for each $1.00 of Gas Purchases, Grocery Purchases, or Cell Phone Bills posted to the Account.
Earn 1 point (equal to 1% back) for each $1.00 of Net Purchases posted to the Account that is not from a Mary Kay Purchase, Gas Purchase, Grocery Purchase, or Cell Phone Bill.
In addition to the above, you will earn a $100 statement credit after the first $500 in Net Purchases are posted to the Account within the first 3 consecutive billing cycles after the Account is opened. Please allow up to 8 weeks after you qualify for this statement credit for it to be applied to your Account (Account must be open and enrolled in the Program at that time). Your Account will generally have monthly billing cycles (whether or not you receive an Account billing statement for the month). However, your first billing cycle will begin on the day you open your Account and may be more or less than one month.
ANNUAL PROGRAM FEE
There is no annual Program fee. However, please review the “Fees” Section in this Summary of Credit Terms for information on possible annual or monthly set-up and maintenance fees associated with the Account.
LIMIT ON POINTS EARNED
There is no limit on the number of points that can be earned, but if we offer bonus points, we may limit the number of bonus points awarded for certain purchases and/or promotions.
Points are redeemed on a first-in, first-out basis and points will expire on or after the fifth anniversary of when they were awarded.
If the Account is closed for any reason, enrollment in the Program will be terminated and any accumulated points will be forfeited.
Points can be redeemed for (collectively, the “Rewards”):
Available 24/7 through online access or toll-free customer service during hours of operation; additional information about redemption will be provided if you become a cardmember.
items. Net Purchases do not include: (a) annual fees, finance charges, and other fees or charges posted by us to the Account; (b) cash advances (including, but not limited to, purchases of money orders or other cash equivalents) or special check transactions; (c) balance transfers; (d) charges for other products, services, or benefits that we provide; or (e) other transactions that we determine not to be eligible. “Mary Kay Purchases” are Net Purchases of Mary Kay goods and services purchased through Mary Kay purchasing channels made available to persons based in the U.S. who have entered into an agreement with Mary Kay to promote and sell Mary Kay products to the ultimate consumer, including Independent Beauty Consultants, Independent Sales Directors, and Independent National Sales Directors, for which Mary Kay has provided us a merchant description code for identification purposes.“Gas Purchases” are Net Purchases made at any merchant whose merchant category code (“MCC”) is classified by the payment card industry as “Service Stations (with or without ancillary services)” (MCC 5541) or “Automated Fuel Dispensers” (MCC 5542). “Grocery Purchases” are Net Purchases made at any merchant whose merchant category code (“MCC”) is classified by the payment card industry as “Grocery Stores and Supermarkets” (MCC 5411), “Freezer and Locker Meat Provisioners” (MCC 5422), “Candy, Nut, and Confectionary Store” (MCC 5441), “Dairy Products Stores” (MCC 5451), “Bakeries” (MCC 5462), “Misc. Food Stores, Convenience Stores and Specialty Markets” (MCC 5499). Merchants that sell grocery items may not necessarily have one of these MCCs.“Cell Phone Bills” are Net Purchases made for cellular telephone service bills at any merchant whose merchant category code (“MCC”) is classified by the payment card industry as “Telecommunication Services” (MCC 4814).The MCC is a four-digit code used by the payment card industry to classify a merchant’s primary business. Some merchants may have multiple MCCs (even within the same retail location) and some merchants might be expected to be classified into one of the MCCs identified above, but they may not be classified as such. This could affect whether purchases made from such merchants will qualify as Gas Purchases, Grocery Purchases, Cell Phone Bills, or other Net Purchases and, as a result, how many points will be earned on such transactions. We do not assign MCCs to merchants and we are not responsible for confirming or monitoring the MCC assignments made by the payment card networks.
We reserve the right to determine, in our sole discretion, whether transactions qualify as Mary Kay Purchases, Gas Purchases, Grocery Purchases, Cell Phone Bills, or Net Purchases, and our determinations shall be final. POINTS: Points are not earned in the Program until they appear on the Account billing statement. Points may be deducted for awards based on purchases that are subsequently subject to a refund, credit, or dispute, which could result in a negative point balance. We reserve the right to retroactively correct errors made in point awards. Points will not be earned if the Account cannot be used for new purchases or participation in the Program has been suspended. If a credit card is reported lost or stolen, we will temporarily suspend our awarding of points in the Program until a new card is issued. At our sole discretion, we may award additional bonus points in connection with certain purchases and/or promotions. Additional details and additional terms and conditions will be provided with such offers and are in addition to the Program Terms and Conditions unless otherwise specified therein. We reserve the right to determine which Net Purchases are eligible for bonus points.
does not have enough points to redeem for a particular Reward, the Reward may still be obtained by redeeming at least 1,000 points toward the Reward and then paying the balance owed for the Reward with a credit card. If a credit card is reported lost or stolen, the ability to redeem points will be temporarily suspended until a new card is issued.
We are not responsible for replacing lost, stolen, or destroyed checks. Checks that have not been cashed and cleared within 120 days after the issue date will become void and the money received as a Reward will be credited to the Account as a statement credit.
For all checking and savings account ACH deposit cash back redemptions, the correct account number must be provided in the redemption form in order for the amount requested to be deposited accordingly. If an ACH deposit is rejected, the redemption will be reversed and the points will be added back to the rewards balance associated with the Account.
We may change or terminate the Program in our discretion at any time with or without prior notice to you except where required by law.