The First National Bank of Omaha is also similar to the First National Bank. The headquarter is located in Colorado, South Dakota, Iowa, Texas, Nebraska, Kansas, and Illinois.
FirstNationalcc provides four various type of credit cards to its users because it is giving a platform to the customers and due to integrity it is very famous.
First National Credit Card and its 4 types have the same category, the term that is used to represent them is ‘cousins’. They are termed this because the cards are planned for the people who have no similar choices.
You can read the article to have a proper understanding of these cards granted by the First National Bank.
Table of Contents
First National Credit Card Cost Overview
Are there any charges that are required to pay for the First National Credit Card? In the start, there is no annual fee for the users, which gives it a good feature for this card. If you have any balance left in your history then you will have to pay the interest rate. It is the compulsory part for all credit cards. The market rate is dependent on the Prime Rate and similarly, the rate of interest is depending on the market rate. Once the card is approved, you will eventually get to know the rate.
User can select the choice of making a minimum payment, but you should remember if you make complete payment before the given date then there will be no interest in that regard. You can see the fee criteria given below:
There is a 2% foreign transaction fee.
The customer has to pay $10 or 4% of the cash advances which is more greater.
The customer will be charged up to $25 for Late payment fee.
There is a fee up to $25 for the Returned payment fee.
The user should know the above-mentioned charges before applying for First National Credit Card.
First National Credit Card Reviews & Complaints
After collecting the complaints and reviews from the customers, some of the reviews below are collected from different sources and forums.
“To be honest, I would give them a 0-star rating. The reason is that I had a dispute over my credit card charge but I could not contact their support. Called many times but they didn’t transfer my call to the department. After an hour, the call was disconnected. I tried again but still no answer. My problem is still not solved.”
“I took out my $300 deposit. And at once my $25 was deducted as annual service charge. The first payment that I paid was of $50 which they said that they did not receive even though I got a confirmation number. After that, I started getting lots of calls and texts from them. Later, I was charged with a late fee of %22 over my money. I think so they are doing more harm to my credit card. Poor service and I will not recommend this to anyone.”
“If there were an option for zero ratings, I would have gone for it. I was notified that my account was closed and I never received a call or any other notification. This was disturbing as I was never late on my payments. I know I have paid extra then asked. Never even maxed my card out. I was about to increase my points and now it has dropped. I am very frustrated because of this. Totally not a way to treat your loyal customer.”
“I am using SCHEELS Visa card for quite a long time and never was I late for payments. I had a good amount of credit. Then one day, they closed my account without notifying me. Later, they send a letter in which they wrote about being responsible for paying the balance that I was paying already. With this, my score was hurt badly and it had a bad effect on my card.”
“I applied for Best Western Master Card and when I tried to claim rewards then I found out about their troublesome process so I decided to cancel it. I already had paid my annual fee and asked for a refund but they refused as they said that I already had one purchase and I was charged with $60 for the next year. Totally not cool.”
The best First National Bank credit cards in 2019
Experience the First National Bank Credit Cards family given below:
Best for low APR: Platinum Edition® Visa® Card
Who’s it for?
If you are sure to transfer money every month then Platinum Edition ® Visa ® Card will be the best option for you.
Why we like it
The reason that makes this card different is that it offers you the minimum Apr charged in related to other cards offered by First National Bank.
For the first 15 billing cycles, there is a 0% introductory Apr for transferring balance. Later, the introductory Apr will charge 11.74% to 19.74% and this will depend on creditworthiness.
The national average APR in the given conditions in May 2018 is 15.53%. With the help of your firstnationalcc, you can pay the Apr as it is lower than the average amount.
When can Apr be useful to you? This method is easy: The Apr is dependent on the interest rate if the Apr is lower than the interest rate will also be lower which is transferred each month.
If you have a perfect or good credit card only then you can apply for these interest cards.
Watch out for
If you want to transfer the balance then you should know that there is a fee on balance transfer for this card. You have to pay 3% or least $10 on each Apr introductory transfer for the first 15 billing cycles.
Once the introductory time is over, there is an increase up to 5% or least $10. If you are transferring on a daily basis then the fee can be put off or end the advantage of low Apr.
If you are looking for a replacement for this card then Chase Slate® is the right card.
It is recommended because, for the first 60 days, you don’t have to pay a fee for any balance transfer after opening your account. Later, the fee will increase to 5% or $5 which is most greater. For the first 15 months, the Apr charged will be 0% for any purchases and balance transfer. Later, it will rise up to 16.49%-25.24%.
How to use it
There is a 0% Apr for the first 15 billing cycle on Platinum Edition ® Visa ® Card for any balance transfers. Avail this wonderful offer that is given to the customers.
Best for bank loyalty: Complete Rewards℠ Visa® Card
Who’s it for?
You can get many rewards only if you are connected with the First National Bank with the help of Complete Rewards SM Visa ® Card.
Why we like it
On having this card, by making purchases you will get 1% back on every purchase. You can also earn 1 percent extra by redeeming your reward points on the First National Bank savings, checking or college savings account. Total earning is 2% on all of your purchases.
If you make any purchases using this card then you will get 1% cash back on each item. By collecting your rewards, you can also get 1% more on the First National Bank on savings, checking or account for college savings. There will be a total of 2% earning on total purchases.
If your rewards are in some technique of contract or debt then the principle of cash back paying will be down. The second condition is that the bank make down payment and the amount transferred in the account. The annual fee of this card is zero.
Watch out for
This card is not friendly if you are looking for a big sign up bonuses in this case.
You can earn points for any purchase in the first three billing cycles so afterward; you can claim them as cash of $25, travel, gift cards, or merchandise. The bonus can increase up to $50 only if the claimed points are used for savings, checking, and the contractor college savings accounts.
How to use it
If you want to calculate the worth of Complete Rewards SM Visa ® card then for that you need to have the First National Bank checking, savings, or college savings account. You can make a new account if you don’t have one. If you don’t do this then you will miss the opportunity to have a cash back.
In the first 12 months, the introductory APR charged will be 0% of the billing cycles.
Later, the Apr will rise up to 17.74%-24.74%.
Best for building credit: Secured Visa® Card
Who’s it for?
Secured Visa ® Card will complete all your requirements if you are looking for building a credit history.
Why we like it
You can set your credit limit with the help of this card that depends on the deposit money, which acts as a security. The limit must match with your deposit and the range of deposit should be $300 to $5,000.
With no further deposit, you are now eligible for seven months to increase your credit limit. For this, all you need to do is that you will have to make payments before the due date on a regular basis.
The most important aspect is that all the major credit card bureaus take a report from the First National Bank.
Watch out for
In Secured Visa ® card you will not have any kind of interest by depositing the money.
Moreover, the annual fee for this card is zero.
How to use it
The First National Bank gives a report to all the 3 major credit bureaus regarding the Secured Visa® card which is the most important thing.
You will have to make payments before your due date, eventually benefiting you the right way and will help you increase the credit history. If you failed to make payments on time then there will be a negative comment in your report.
In around 11 months, you will get a deposit back only if you maintain a good payment history using Secure Visa ® card.
First National Credit Card Application
If you are willing to apply for FirstNationalcc then you can easily apply online or by mailing us at the given address below:
Post it on the address with the required information given below:
Legacy Visa P.O. Box 5097 Sioux Falls, SD, 57117-5097.
How to Complete a First National Credit Card Application Online
If you are interested in knowing the First National Credit Card application procedure then follow the steps given below for proper guidance only after getting approval via mail.
You will be redirected to the homepage where you can see a green button that says Accept online. Click the button.
Enter your reservation number and in the offer letter, you need to access code in the given field.
Click on the blue button that says Continue.
After that, you need to verify your personal information and mailing address.
In the end, required the trigger to end the application procedure.
Is First National’s Visa credit card right for you?
Choosing the First National Credit Card is the most suitable choice for you. Perks of this card is that there is no annual fee, and you can use your visa card anywhere around the world. On each purchase, you will earn various rewards. Moreover, the bank provides personal customer support services to its customers for their easiness.
Apart from this side, the disadvantages of this card at the same time comparing with other cards are there is a transaction fee that they will charge. There is a shortage of cutting edge technology and has fewer rewards.
Many cards do not charge any transaction fee as compared to other cards and give its users extensive reward programs.
As a user, before applying for any card, this is your duty to have a thorough examination of all the cards. Furthermore, if you are a user of First National Bank then you will enjoy many good services offered by them.
You can call us if you have any issue regarding the First National Credit Card. Our customer support service number is 888-883-9824.
Other Alternatives are:
Contact us using the given mail address for any problem:
First National Credit Card P.O. Box 5097 Sioux Falls, SD, 57117-5097.
You the address is given below for sending your payment through mail:
First National Credit Card P.O. Box 2496 Omaha, NE 68103-2496