First National Bank of Omaha
The country's largest privately held bank is also its quietest cobrand factory: Amtrak, MGM Rewards, bp, ANA and JAL all run their US cards through FNBO. Products skew practical over premium, with modest bonuses and perk lists tied tightly to the partner brand.
Application Rules
- ▸No published velocity rules; standard prime underwriting with a reputation for conservative credit lines
- ▸Pulls vary by region and product, with Experian most common
- ▸Cobrand bonuses are usually once per lifetime per card; check the specific partner's offer terms
Tracked First National Bank of Omaha Cards
MastercardAmtrak Preferred
Personal · $99 AF
Amtrak Guest Rewards Preferred MastercardFirst National Bank of Omaha
The only premium rail card in America, and the perks actually clear the fee.
20,000 pts bonus (≈$500)AF: $99Rating: 7.4/10
MastercardAmtrak Mastercard
Personal · No AF
Amtrak Guest Rewards MastercardFirst National Bank of Omaha
A free way to keep Amtrak points alive and earn 2x on dining.
12,000 pts bonus (≈$300)AF: $0Rating: 6.6/10
MastercardBW Premium Mastercard
Personal · $89 AF
Best Western Rewards Premium MastercardFirst National Bank of Omaha
The old FNBO Best Western card is gone; the brand now lives on a First Bank & Trust Visa.
Special bonusAF: $89Rating: 6.0/10
MastercardMGM Rewards Card
Personal · No AF
MGM Rewards World Elite MastercardFirst National Bank of Omaha
Free self-parking on the Strip for the price of nothing.
30,000 pts bonus (≈$300)AF: $0Rating: 6.8/10
Visabp Visa
Personal · No AF
bp Rewards VisaFirst National Bank of Omaha
Half a buck off every gallon for two months, then steady pump savings.
Special bonusAF: $0Rating: 6.0/10
VisaANA Card USA
Personal · $85 AF
ANA Card U.S.A. PlusFirst National Bank of Omaha
The only US card that earns ANA miles directly, fee waived the first year.
15,000 pts bonus (≈$210)AF: $85Rating: 6.2/10
MastercardJAL USA Card
Personal · $35 AF
JAL USA CardFirst National Bank of Omaha
A direct line to JAL Mileage Bank for a $35 fee.
10,000 pts bonus (≈$130)AF: $35Rating: 6.0/10