28 Mar

Maximizing Rewards with First National Bank of Omaha Cashback

Written By Dom Mia
March 28, 2024

Posted at 08:11h in Cashback, Home Blog 3 by Dom Mia

Are you looking for a credit card that offers cashback rewards on your everyday purchases? Look no further than First National Bank of Omaha’s cashback credit card. With this card, you can benefit from a generous rewards program that allows you to earn cashback on various types of purchases, including non-fuel BP and Amoco purchases, grocery purchases, dining purchases, and more. Applying for the cashback credit card is easy, and once you have it in your wallet, you can start earning cashback and saving money on your everyday expenses.

Key Takeaways:

Earn cashback on various types of purchases with the First National Bank of Omaha cashback credit card
Apply for the cashback credit card and start saving money on your everyday expenses
Enjoy the benefits of a generous rewards program with cashback offers
Maximize your rewards and save money with First National Bank of Omaha’s cashback credit card
Simplify your financial life with a credit card that offers cashback rewards on your everyday purchases

The BPme Rewards Visa Keeps the Rewards Pumping

The BPme Rewards Visa Signature® Card, in partnership with BPme Rewards, offers cardholders the opportunity to combine the benefits of both programs. This cashback credit card allows users to earn rewards on qualifying purchases, which can be redeemed for a cashback account statement credit, gift cards from major retailers, travel experiences, and more. The rewards earned can fuel savings and provide additional financial benefits to cardholders.

With the BPme Rewards Visa, you can unlock the potential to earn valuable rewards on everyday purchases. Whether it’s fueling up at BP and Amoco stations or achieving everyday savings at your favorite grocery stores and restaurants, this rewards program offers flexibility and options to suit your needs.

To redeem your rewards, simply log in to your account online or through the BPme app, and choose how you want to use them. You can opt for a cashback account statement credit, which reduces your outstanding balance and puts money back in your pocket. Alternatively, you can select gift cards from a wide range of popular retailers, allowing you to treat yourself or someone else. If you’re looking for an adventure, you can even use your rewards to book travel experiences and create lasting memories.

This cashback credit card is designed to provide financial benefits to cardholders, allowing you to maximize savings and make the most of your everyday spending. Whether you’re fueling up, grocery shopping, dining out, or making any other qualifying purchase, the rewards earned with the BPme Rewards Visa can help you reach your financial goals faster.

Earning Rewards

With the BPme Rewards Visa, earning rewards is easy. For every qualifying purchase you make, you’ll accumulate points that can be redeemed for various rewards. The more you spend, the more rewards you’ll earn. It’s a win-win situation that allows you to make the most of your credit card.

Redeeming Rewards

When it comes to redeeming your rewards, the BPme Rewards Visa offers flexibility and choice. Whether you prefer to reduce your outstanding balance with a cashback account statement credit or treat yourself to gift cards or travel experiences, the choice is yours. Redeeming rewards is simple and convenient, ensuring that you can enjoy the benefits of your hard-earned points with ease.

Unlocking Financial Benefits

By using the BPme Rewards Visa, you can unlock a range of financial benefits. The cashback account statement credit can help reduce your outstanding balance, providing financial relief and savings. Gift cards from major retailers offer the opportunity to shop for your favorite products without spending a dime. If you’re in need of a vacation or a travel experience, you can use your rewards to book flights, accommodations, and more. The financial benefits of the BPme Rewards Visa can truly enhance your overall credit card experience.

With the BPme Rewards Visa, you can enjoy the convenience of a cashback credit card coupled with a comprehensive rewards program. Start maximizing your savings and earning valuable rewards by applying for the BPme Rewards Visa today.

FNBO’s Consumer Credit Cards: Evergreen, Getaway, and Secured

In addition to the cashback credit card, First National Bank of Omaha offers three branded consumer credit cards that are designed to cater to different needs and target specific customer segments. These cards include the Evergreen, Getaway, and Secured Visa. Let’s take a closer look at each of these FNBO consumer credit cards:

1. Evergreen Card

The Evergreen card is a popular choice among FNBO customers. With this card, cardholders can earn FNBO Rewards, which provides them with 2% cashback on every purchase. Additionally, new cardholders can also enjoy a sign-up bonus after meeting the spending requirements.

2. Getaway Card

The Getaway card is perfect for avid travelers and individuals who frequently enjoy dining out or make gas station purchases. With this card, cardholders can earn bonus points on travel, dining, and gas station purchases. These points can then be redeemed for a variety of rewards, including travel experiences and more.

3. Secured Visa Card

The Secured Visa card offered by FNBO is a valuable tool for individuals who are looking to build or rebuild their credit score. With responsible usage and timely payments, cardholders can demonstrate their creditworthiness. This card provides individuals with an opportunity to establish a positive credit history and eventually qualify for unsecured credit.

Here is a comparison table highlighting the key features and benefits of each of these FNBO consumer credit cards:

Card	Card Features	Rewards	Other Benefits
Evergreen	2% cashback on every purchase Sign-up bonus	FNBO Rewards	–
Getaway	Bonus points on travel, dining, and gas station purchases	–	Redeem points for travel experiences and more
Secured Visa	Opportunity to build credit	–	Upgrade to an unsecured credit card

These FNBO consumer credit cards offer a range of benefits and rewards to suit the unique needs and preferences of different individuals. Whether you’re looking to earn cashback, enjoy travel perks, or build your credit score, there’s an FNBO card that can help you achieve your financial goals.

Comparison with Other Cashback Credit Cards

When considering the First National Bank of Omaha Cashback credit card, it’s important to evaluate it against other cashback credit cards in the market. Let’s take a closer look at three popular options: the Citi Double Cash Card, the Wells Fargo Autograph Card, and the Capital One Quicksilver Secured Cash Rewards Credit Card.

Citi Double Cash Card

The Citi Double Cash Card is known for its attractive cashback rate and balance transfer offer. It offers a 0% introductory APR on balance transfers for 18 months, allowing cardholders to save on interest charges. As for cashback, you can earn 2% cashback on all purchases – 1% when you make a purchase and an additional 1% when you pay it off. The Citi Double Cash Card is a great option for those looking to earn consistent cashback rewards on all their spending.

Wells Fargo Autograph Card

The Wells Fargo Autograph Card stands out with its generous rewards program and valuable sign-up bonus. Cardholders can earn 3x points on various categories, including dining, gas stations, travel, and select streaming services. Additionally, new cardmembers have the opportunity to earn a valuable sign-up bonus by meeting spending requirements. For individuals who spend heavily in specific categories and value a bonus offer, the Wells Fargo Autograph Card can be a rewarding choice.

Capital One Quicksilver Secured Cash Rewards Credit Card

For individuals looking to rebuild their credit, the Capital One Quicksilver Secured Cash Rewards Credit Card provides an opportunity to earn cashback while working towards improving their credit score. This card offers cashback on all purchases, so you can earn rewards on everyday spending. Additionally, the Capital One Quicksilver Secured Cash Rewards Credit Card allows cardholders to upgrade to an unsecured credit card, providing a path to better credit opportunities in the future.

Comparing these cashback credit cards, we can see that each one offers unique benefits. The Citibank Double Cash Card provides a competitive cashback rate while also offering an attractive balance transfer option. The Wells Fargo Autograph Card focuses on category-specific rewards and a valuable sign-up bonus. Lastly, the Capital One Quicksilver Secured Cash Rewards Credit Card caters to individuals working to improve their credit score while still enjoying cashback rewards.

It’s essential to carefully consider your spending habits, financial goals, and credit situation when selecting a cashback credit card. Conducting thorough research and comparing the features of different cards can help you make an informed decision that aligns with your needs and preferences.

Credit Card	Interest Rates and Fees	Rewards Program	Additional Benefits
Citi Double Cash Card	0% intro APR on Balance Transfers for 18 months	2% cashback on all purchases	–
Wells Fargo Autograph Card	–	3x points on dining, gas stations, travel, and select streaming services	Valuable sign-up bonus
Capital One Quicksilver Secured Cash Rewards Credit Card	–	Cashback on all purchases	Potential to upgrade to an unsecured credit card

Factors to Consider When Choosing an FNBO Credit Card

When deciding if an FNBO credit card is the right choice, several factors should be considered. One important factor is the presence of an annual fee, as all three FNBO consumer credit cards mentioned have no annual fees. The rewards program and its earning potential should also be taken into account. Additionally, the introductory APR period can be crucial for individuals planning to finance purchases or transfer balances. Lastly, for those looking to build or rebuild their credit, the credit-building potential of the Secured Visa card may be a significant deciding factor.

Factors to Consider	Details
Annual Fees	All FNBO consumer credit cards mentioned have no annual fees.
Rewards Program	The rewards program and its earning potential should be taken into account.
Introductory APR	The introductory APR period is crucial for individuals planning to finance purchases or transfer balances.
Credit-Building Potential	The credit-building potential of the Secured Visa card may be a significant deciding factor for those looking to build or rebuild their credit.

Considering these factors can help individuals make an informed decision when selecting an FNBO credit card. By evaluating the presence of annual fees, the rewards program, the introductory APR period, and the credit-building potential, individuals can choose a credit card that aligns with their financial goals and needs.

Balancing Rewards with Financial Discipline

While cashback credit cards offer the potential to earn rewards on everyday purchases, it’s essential to maintain financial discipline and use credit cards mindfully. By incorporating disciplined spending habits and practicing responsible financial behavior, individuals can maximize their rewards while remaining financially responsible.

Disciplined Spending:

Create a budget: Establishing a budget is crucial for managing expenses and avoiding overspending. Determine your monthly income and allocate appropriate amounts to various categories, such as groceries, bills, and discretionary spending.
Track your expenses: Keep a record of your purchases to monitor your spending habits. This will help you identify areas where you may be overspending and make necessary adjustments.
Avoid unnecessary debt: It’s important to only charge expenses to your credit card that you can comfortably repay. Avoid using your credit card for impulse purchases or unnecessary expenses that could lead to debt accumulation.

Mindful Credit Card Usage:

Pay your balance in full: To avoid accruing high interest charges, make it a habit to pay your credit card balance in full and on time each month. This will also help maintain a positive credit history.
Use credit cards strategically: Consider using your cashback credit card for purchases that align with the highest reward categories. For example, if your card offers extra cashback on grocery purchases, use it specifically for grocery shopping.
Read and understand the terms: Familiarize yourself with the terms and conditions of your cashback credit card. Be aware of any fees, interest rates, and specific reward program rules.

“Disciplined spending and mindful credit card usage are essential for maximizing rewards while maintaining financial responsibility.” – [Your Name]

By practicing disciplined spending and mindful credit card usage, individuals can make the most of their cashback credit cards while avoiding unnecessary debt and financial strain. It’s crucial to remember that credit cards are tools that should be used responsibly and in line with one’s financial goals and capabilities.

Financial Responsibility and Extra Benefits

In addition to earning cashback on everyday purchases, utilizing cashback credit cards with financial responsibility can provide additional benefits:

Extra Savings: By earning cashback on purchases, individuals can accumulate savings that can be used for future expenses or financial goals.
Donations: Some cashback credit cards offer the option to donate a portion of the earned cashback to charitable organizations, allowing cardholders to support causes they care about.
Financial Investments: Instead of redeeming cashback rewards for immediate savings, individuals can consider investing their earnings to potentially grow their wealth over time.

By maintaining financial responsibility and being mindful of credit card usage, individuals can not only maximize their rewards but also benefit from these additional perks, enhancing their overall financial well-being.

The Importance of Finding the Right Fit

When it comes to choosing the right credit card, several factors come into play. Personal preferences, financial goals, and individual circumstances all play a role in determining which credit card will best meet your needs. Evaluating the features, benefits, and potential drawbacks of each card can help you make an informed choice that aligns with your financial objectives.

One of the first considerations when selecting a credit card is your spending patterns. Take a close look at your typical expenses and determine which categories you spend the most on. For example, if you frequently dine out, a credit card that offers rewards or cashback on dining purchases may be a good fit. On the other hand, if you frequently travel, a credit card that offers travel rewards or benefits might be more suitable.

Another crucial factor to consider is the desired rewards. Think about how you want to use your credit card rewards. Do you prefer cashback that you can use towards everyday expenses? Or are you interested in redeeming your rewards for travel experiences or gift cards? Understanding your reward preferences can help you narrow down your options and find a credit card that aligns with your goals.

It’s also important to consider your credit-building needs. If you’re looking to improve your credit score or establish credit for the first time, a secured credit card may be the way to go. Secured credit cards require a security deposit and can help you build or rebuild credit when used responsibly. On the other hand, if you have a good credit history and are looking to maximize your rewards, a cashback or rewards credit card may be a better fit.

Lastly, it’s essential to factor in your long-term financial plans. Consider whether you plan to carry a balance on your credit card or if you intend to pay it off in full each month. If you anticipate carrying a balance, a credit card with a low introductory APR could save you money on interest charges. If you plan to pay your balance in full, focus on finding a credit card with robust rewards and benefits that align with your spending habits.

To summarize, choosing the right credit card involves considering personal preferences, financial goals, and individual circumstances. By evaluating spending patterns, desired rewards, credit-building needs, and long-term financial plans, you can select a credit card that suits your unique situation and maximizes your financial benefits.

Summary of Factors to Consider When Choosing a Credit Card

Factors to Consider	Details
Spending patterns	Assess your typical expenses and choose a credit card that offers rewards or cashback in the categories where you spend the most.
Desired rewards	Consider whether you prefer cashback, travel rewards, gift cards, or other redemption options, and find a credit card that aligns with your preferences.
Credit-building needs	If you’re looking to build or rebuild credit, a secured credit card can be a valuable tool. If you have good credit, focus on maximizing rewards.
Long-term financial plans	Decide whether you plan to carry a balance or pay in full each month. Look for low introductory APR options or prioritize robust rewards accordingly.

Conclusion

Cashback credit cards, like the ones offered by First National Bank of Omaha, provide an excellent opportunity to maximize savings and benefit from rewards programs. By selecting the right credit card and using it responsibly, individuals can enjoy cashback savings and unlock the full potential of their credit card benefits. Whether you’re looking to save on fuel expenses, indulge in travel experiences, or earn cashback bonuses on everyday purchases, the right credit card can make all the difference.

With First National Bank of Omaha’s cashback credit card and other rewards programs, you can turn your regular spending into cashback savings. By taking advantage of the various cashback offers available, you can save money on non-fuel BP and Amoco purchases, groceries, dining, and more. These savings can add up over time and provide you with extra financial flexibility.

It’s important to choose a credit card that aligns with your spending habits and financial goals. Consider factors like rewards earning potential, introductory APR periods, and any annual fees when making your decision. Additionally, always remember to use credit cards responsibly by practicing disciplined spending and avoiding overspending. When used mindfully, cashback credit cards can be a valuable tool for maximizing savings and enjoying the benefits of rewards programs.

FAQ

What is the First National Bank of Omaha Cashback credit card?

The First National Bank of Omaha Cashback credit card is a credit card that offers a rewards program where cardholders can earn cashback on their purchases.

What types of purchases can I earn cashback on with the First National Bank of Omaha Cashback credit card?

The First National Bank of Omaha Cashback credit card provides cashback offers on various types of purchases, including non-fuel BP and Amoco purchases, grocery purchases, dining purchases, and all other qualifying purchases.

What is the BPme Rewards Visa Signature® Card?

The BPme Rewards Visa Signature® Card, in partnership with BPme Rewards, allows cardholders to combine the benefits of both programs to earn rewards on qualifying purchases, which can be redeemed for cashback account statement credit, gift cards from major retailers, travel experiences, and more.

What are the branded consumer credit cards offered by First National Bank of Omaha?

First National Bank of Omaha offers three branded consumer credit cards, namely Evergreen, Getaway, and Secured Visa, which are designed to cater to different needs and target specific customer segments.

What rewards do I earn with the Evergreen credit card?

The Evergreen credit card earns FNBO Rewards, providing cardholders with 2% cashback on every purchase and a sign-up bonus after meeting the spending requirements.

What rewards do I earn with the Getaway credit card?

The Getaway credit card offers bonus points for travel, dining, and gas station purchases.

What rewards do I earn with the Secured Visa credit card?

The Secured Visa credit card helps individuals build or rebuild their credit score.

How does the First National Bank of Omaha Cashback credit card compare to other cashback credit cards?

The Citi Double Cash Card offers a 0% intro APR on Balance Transfers for 18 months and a 2% cashback rate. The Wells Fargo Autograph Card provides 3x points on various categories and a valuable sign-up bonus. The Capital One Quicksilver Secured Cash Rewards Credit Card offers cashback on all purchases and the ability to upgrade to an unsecured credit card.

What factors should I consider when choosing an FNBO credit card?

Factors to consider include the presence of an annual fee, the rewards program and its earning potential, the introductory APR period, and the credit-building potential for individuals looking to build or rebuild their credit.

How should I balance rewards with financial discipline?

It’s important to practice disciplined spending habits, avoid overspending, and use credit cards responsibly to maximize rewards and enjoy the benefits they offer.

How do I choose the right credit card for me?

When choosing a credit card, consider your personal preferences, financial goals, and individual circumstances to find the card that best suits your needs.

What are the benefits of cashback credit cards?

Cashback credit cards, such as the ones offered by First National Bank of Omaha, allow you to earn rewards on everyday purchases, providing cashback savings and the potential for extra savings, donations, or even financial investments.