Category Archives: Bank

First National Bank of Omaha Credit Cards

bag of groceries

Want to be rewarded with a 2% cashback credit card?

Or is paying no interest until 2022 with a balance transfer your preference?

First National Bank of Omaha offers new account holders Visa credit cards that satisfy either need.

Cashback Rewards Visa® Card

Paying with cash does not get 2% off purchases or the right to dispute a purchase and have the store deal with hassles of credit card companies.

  • 2% cash back on every qualifying purchase.
  • Rewards don’t expire for accounts in good standing.
  • Redeem for cash back as a statement credit, an ACH deposit into a checking or savings account or a check.

Platinum Edition® Visa® Card

  • 0% introductory APR for the first 15 billing cycles on balance transfers.
  • After introductory period the APR may be between 12.24% and 20.24% depending on creditworthiness.
  • A 3% balance transfer fee applies for introductory transfers

Both First National Bank of Omaha Visa credit cards feature

  • No annual fees
  • Zero Liability Protection
    The card information is protected 24/7 and you won’t be held liable for unauthorized purchases made with your card or account information.
  • Purchase Protection
    Protects nearly everything you buy with your card against theft, accidental damage and fire within the first 90 days after purchase.
  • Free FICO scores
    FNBO teamed up with FICO to give customers complimentary monthly access to their FICO Score.
  • Free checking account
    Simple, flexible checking for the modern pace of life with no hidden fees or hoops to jump through.
  • AutoPay schedules
    Payments can be automatically deducted from  checking or savings account on the due date, so the bill will be paid on time.

AT&T Access Credit Card

AT&T Access Card from CitiThe new AT&T Access credit card from Citi replaces the discontinued AT&T Universal Savings and Rewards Credit Card with ThankYou points.

AT&T offers a sign up bonus and extra rewards on some retail and travel websites paid out as ThankYou Points. However the new card is neither a Visa Card or Mastercard, but part of Citi Retail Services program. Here are some pros and cons of the card.

PROS

  • Introductory bonus of 10,000 ThankYou points for opening account
  • Two reward points with eligible online retail and travel websites
  • Two reward points when buying tablets or phones directly from AT&T
  • Presale and VIP events
  • No annual fee

CONS

  • Not part of the Visa or Mastercard network
  • Points lose half their value when redeemed for cash
  • Limited selection of redemption options.

RATES & FEES

  • 13.99% to 22.99% APR (Annual Percentage Rate) on purchases and balance transfers
  • 25.24% APR for cash advances, i.e. when you use the card to get cash at an ATM, plus a 5 % fee ($10 min)
  • 29.99% APR if make late payment or if payment is returned
  • No recurring annual fee
  • Up front 3% balance transfer fee
  • 3% foreign transaction fee to purchase items billed outside the United States

VERDICT

The AT&T Access Card does best as a secondary card. For most people other cards may have lower interest rates and better rewards. Not having the features and benefits of a Mastercard or Visa Card family can limit its usefulness in some cases.

Several other credit cards have better introductory offers with no annual fees. Discover It card features generous 5% cash back in useful rotating categories on a quarterly basis. The 3-2-1 cash back rewards of the American Express Blue Cash Everyday card works great for most shoppers.

CITI RETAIL SERVICES

Though Citi Retail Services isn’t a household name, the stores it partners with may be. Here are some of the places who market their credit cards using Citi’s expertise in the credit card industry.

Citizens Bank Clear Value Mastercard Credit Card

Introductory 0% APR for 18 months on balance transfers with a new Citizens Bank Clear Value® Mastercard®

Citizens Bank Clear Value Mastercard Credit Card

There is however an upfront 3% balance transfer fee, with a minimum charge of $10.

The Citizens Bank Clear Value® Mastercard® credit card, previously issued by Charter One Bank is available at no cost to you for purchases online or your favorite stores.

Features of the Clear Value® Mastercard®

  • ID theft protection for peace of mind 24/7
  • Extended warranty protection
  • Travel accident and baggage delay insurance
  • Zero liability for unauthorized activity on the credit card
  • Contactless purchases on select terminals

Other perks include:

  • No Annual Fee
  • 21-day, interest-free grace period on purchases
  • Free Online Account Access – 24 hours a day, 7 days a week
  • No returned payment fees
  • No over-the-credit limit fees
  • Year-End Account Summary

About Citizens Financial Group

In 1828, Citizens Financial Group got its start as a small community bank called the High Street Bank in Providence, Rhode Island.

Citizens Financial Group, Inc. is a $132 billion commercial bank holding company, which is headquartered in Providence, RI, and through its subsidiaries has more than 1,500 branches, approximately 3,900 ATMs and more than 20,900 employees.

It operates its branch network in 12 states and has non-branch retail and commercial offices in about 40 states.