Tag Archives: Intro APR

First National Bank of Omaha Credit Cards

Bank, ,

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.

HSBC Credit Card with Cash Rewards

Rewards

HSBC credit card cash rewardsIntroductory Offer of 3% Cash Back for first 12 months.

HSBC credit card with Cash Rewards Mastercard® gives you 3% rewards on all eligible purchases for 12 months after opening account. This has a $10,000 limits, which means you receive up a $300 tax-free statement credit.

0% Introductory APR for 12 months means you pay no interest on your balance while earning rewards on eligible purchases. Reward points can be redeemed as direct deposits in linked HSBC checking or savings accounts. You can watch your savings grow, withdraw the accrued funds as real cash via ATM, or pay bills.

More rewards and account savings

  • 1.5% Cash rewards on eligible purchases made after the introductory period.
  • No Annual Fee
  • No Foreign Transaction Fees
  • Zero-interest for 25 days before payments are due for purchases paid in full after the promotional period.
  • Summary Of Terms for your reference as a pdf file.

Purchase and travel benefits

  • No fee for additional cards for authorized users
  • Extended Warranty doubles your original warranty up to 1 additional year.
  • Identity Theft Resolution Services provides one-on-one support in the event your identity is compromised.
  • MasterAssist® provides pre-trip planning assistance, help with lost luggage and more.
  • Master RoadAssist® Roadside Services provides help in the event your car breaks down while traveling in the U.S.
  • $1 Million Travel Accident Insurance.
  • Cellular Wireless Telephone Protection up to $600 per claim should your cellphone is stolen or damaged.
  • Free monthly FICO scores from Equifax (TRW and Experian credit scores may differ)
  • Security chip offers enhanced protection when used at chip-enabled terminals.
  • Fraud protection
  • Contactless payment feature provides fast, easy and safe checkouts with compatible Point Of Service (POS) terminals
  • Make mobile purchases using Android PayTM, Apple PayTM and Samsung Pay
  • Rewards and Benefits Brochure and Mastercard Guide to Benefits for HSBC Cash Rewards Mastercard (25 pages in pdf format)

AAA Member Rewards review, benefits and features

Associations, , ,
AAA Dollars Plus Mastercard from US Bank

The AAA Dollars Plus Mastercard offers cardholders superior rewards on AAA purchases.

Co-branded with American Automobile Association (AAA), you need AAA membership to get this card.

INTRODUCTORY OFFER

As an added incentive to apply you receive 0% APR on purchases and balance transfers for the first 12 months.

The introductory offer includes $25 AAA dollars after first charge on the card and 125 AAA dollars when $1500 or more within initial 90 days of account opening.

People holding large balances on their current cards at the current average rate of 17.23% APR can save a significant amount of money, even with the 3% balance transfer fee.

  • $1,000 at 14.23% means keeping $142.30 in your pocket.
  • $5,000 at 14.23% means keeping $711.50 in your pocket.
  • $10,000 at 14.23% means keeping $1,423.00 in your pocket.

Once the introductory period expires though, because the APR can jump up to as high as 23.99%, i.e. the monthly payment of interest alone, on a $5,000 transfer, can go from $12.50 to $91.63 per month.

While saving money helps, paying off the balance in full before the introductory period ends is essential to keep the money in your pocket.

REWARDS

Get rewarded with AAA dollars while you shop.

  • 3% on travel and AAA purchases
  • 2% at grocery stores, gas stations, and drugstores
  • 1% for all other eligible net purchases

Interest Rates

  • Purchases – 0% for 25 days if statement balance is zero
  • Purchases – 14.99% to 23.99% when carrying a balance
  • Balance Transfers – 14.99% to 24.99% starting on transfer date
  • Cash Advances – 25.99%

Fees

  • Annual Fee: $0.00
  • Fee on balance transfer: 3% ($5 min)
  • Cash advance: 3% ($10 min) for convenience check
  • Cash: advance: 5% ($10 min) at ATM
  • Foreign transaction: none
  • Late payment: up to $40
  • Returned payment: up to $35

Redeem Reward Points

  • Merchandise such as electronics, fashion, home goods
  • Gift cards

Travel Benefits

  • Roadside Assistance Hotline
  • Car rental and damage insurance (excludes liability coverage)
  • Global Assist Hotline (doesn’t pay for third-party costs)
  • Travel accident insurance on common carriers

Security Features

  • Fraud Protection
  • Advanced secure chip technology
  • Text alerts

Other Card Benefits

  • Mobile banking
  • Text and/or email alerts on purchases, balances, reminders, etc.
  • Free FICO credit score
  • Apple Pay
  • Monthly summaries