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First Nebraska Bank “Thank You” Visa Credit Card

As a thank you to our customers, we are proud to launch the First Nebraska Bank Visa Credit Card. This low-rate, cashback credit card is the perfect option for individuals that want instant access to additional capital.

FNB Consumer Credit Card – Combined Disclosure

Request an Application

Please fill out the form below and we'll send you an application.

Frequently Asked Questions

How Does the 2% Cashback Work?

Every dollar that you spend by using the First Nebraska Bank credit card awards you 2 points. The reward points are paid out quarterly. In order for the rewards to pay, your account must have at least 1,500 points to redeem. 1,500 points = $15 back on your card.

Is the 2% Reward Unlimited?

Yes, every dollar spent on every purchase using the card will earn 2 points.

Can I Earn Extra Reward Points?

Yes, by going to your First Nebraska Bank online banking and clicking on your card number at the bottom of the accounts page. This will get you to the credit card website. Then click on the uChoose Rewards and there will be offers that you can add to your card. The online offers you have to "shop now" on this site to earn the extra rewards. The in-store offers you have to activate and then during the timeframe of the special offer, you will earn extra points on every purchase that qualifies with their guidelines.

What Happens When the Special Reward Offers Expire?

The offers will just fall off your card, however, be sure to go back and check out the new rewards. As some expire, others will be on the website for you to activate and start using.

Is There an Annual Fee?

No, First Nebraska Bank is offering this card at a low-interest rate and with no annual fee as a thank you for being a customer with us.

Do the Rewards Expire?

The rewards are paid automatically to credit card statement every quarter so there is no chance that you will ever miss out on any rewards.

How Do I Use the Rewards?

The rewards credit will be credited to your outstanding balance automatically, on a quarterly basis. So go out and treat yourself with something special, charge it to your card and let the credit of your rewards pay for it!

Do I Have To Have a Current Account With First Nebraska Bank?

Since this card is a thank you for being a customer with us, one of the criteria is that you are a customer at First Nebraska Bank and have been for at least 3 months.

What Is the Interest Rate?

The interest rate on our consumer credit cards is 9.99% APR. We use the U.S. Prime Rate as published in the "Money Rates" section of The Wall Street Journal. We add a 6.74%(Margin) to the Prime Rate to determine the Purchase/Balance Transfer/Cash Advance variable APR.

Can I Setup Auto Payment?

There are a lot of different options to make a payment. You can use bill pay on online banking, click on the link at the bottom of the page of accounts on your online banking and pay on the credit card website, pay at a branch, or mail in a payment.

When Is My Payment Due?

Payments are due on the 7th of every month. Statements are mailed out on the 10th.

What Is My Line of Credit?

The line of credit on an approved credit card is determined by the customer's credit score and their income.

What Does My Credit Score Have To Be To Qualify?

A credit score of 650 or higher is required to be approved for a credit card.

Can I Transfer Higher Interest Credit Card Balances?

Yes. You can do this with Credit Access Checks that you can request or by paying your other card with your First Nebraska Bank credit card. The balance transfer fee is either $5.00 or 1% of the amount of each transfer, whichever is greater.

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