First National Bank Of Omaha credit card terms
Top-25 issuer · 54 products surveyed · CFPB TCCP survey, Jul-Dec 2025
First National Bank Of Omaha reported a surveyed purchase APR of 15.49% – 32.99% (median 26.37%) to the CFPB Terms of Credit Card Plans survey, across 54 products. It is one of the 25 largest U.S. card issuers. Annual fees on surveyed cards: $30 – $249. These are surveyed terms, not an offer — your APR depends on your credit.
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
First National Bank Of Omaha surveyed terms at a glance
| Term | Reported value |
|---|---|
| Purchase APR (surveyed range) | 15.49% – 32.99% |
| Median purchase APR | 26.37% |
| Rate type | variable |
| Intro / promo APR offered | Yes |
| Balance-transfer APR (max) | 5.99% |
| Cash-advance APR (max) | 32.99% |
| Annual fee | $30 – $249 |
| Late fee (median) | $29 |
| Secured card offered | Yes |
| Products surveyed | 54 |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
A dash (—) means First National Bank Of Omaha did not report that field in the survey.
First National Bank Of Omaha purchase APR by credit tier
Median purchase APR First National Bank Of Omaha reported for each applicant credit tier. Cards typically quote a range and place you within it based on your credit:
| Your credit tier | Median purchase APR |
|---|---|
| Poor credit (619 or less) | 9.99% |
| Good credit (620-719) | 28.99% |
| Great credit (720+) | 23.87% |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
How First National Bank Of Omaha compares
For good credit (620-719), the CFPB median purchase APR was 28.2% at large issuers and 18.15% at small banks and credit unions. First National Bank Of Omaha's median of 26.37% sits above the 21% national average APR.
Similar issuers (top-25 issuer)
| Issuer | Surveyed purchase APR | Median APR | Annual fee |
|---|---|---|---|
| First National Bank Of Omaha (this issuer) | 15.49% – 32.99% | 26.37% | $30 – $249 |
| PNC Bank | 18.49% – 30.24% | 26.12% | — |
| Fifth Third Bank | 8.99% – 29.49% | 25.99% | $24 |
| Capital One | 14.9% – 31.24% | 27.24% | $39 – $395 |
| Regions Bank | 18.49% – 28.49% | 25.49% | — |
| JPMorgan Chase Bank | 16.74% – 28.24% | 27.49% | $49 – $795 |
| USAA Federal Savings Bank | 10.65% – 27.65% | 24.65% | $95 |
PNC Bank · Fifth Third Bank · Capital One · Regions Bank · JPMorgan Chase Bank · USAA Federal Savings Bank
Frequently asked questions
What is First National Bank Of Omaha's credit card APR?
First National Bank Of Omaha reported a purchase APR of 15.49% – 32.99% to the CFPB Terms of Credit Card Plans survey (median 26.37%), across 54 surveyed products. Rates are variable. This is a surveyed range, not an offer; your actual APR depends on your credit.
Does First National Bank Of Omaha charge an annual fee?
First National Bank Of Omaha's surveyed cards carry an annual fee of $30 – $249. Many cards from this issuer have a $0 annual fee; premium cards charge more. Verify the specific card.
Is First National Bank Of Omaha a good choice for a low APR?
First National Bank Of Omaha is one of the 25 largest issuers. The CFPB found large issuers charge roughly 8 to 10 percentage points (large vs small issuers, across credit tiers) more than small banks and credit unions. If a low APR is the priority, compare a local credit union.
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Sources & accuracy
Terms reported by First National Bank Of Omaha (First National Bank Of Omaha) to the CFPB Terms of Credit Card Plans (TCCP) Survey (U.S. public domain, CFPB TCCP survey, Jul-Dec 2025). Surveyed terms are not an offer; your actual APR, fees and approval depend on your creditworthiness. Verify current terms with the issuer. See our methodology and disclaimer.
Last updated: 2026-06-29