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
The only premium rail card in America, and the perks actually clear the fee.
A free way to keep Amtrak points alive and earn 2x on dining.
The old FNBO Best Western card is gone; the brand now lives on a First Bank & Trust Visa.
Free self-parking on the Strip for the price of nothing.
Half a buck off every gallon for two months, then steady pump savings.
The only US card that earns ANA miles directly, fee waived the first year.
A direct line to JAL Mileage Bank for a $35 fee.
Earns Verizon Dollars that only pay Verizon bills, a closed loop for wireless-heavy small businesses.
A flat 2% everywhere with a real $200 bonus, from the biggest bank nobody talks about.