dcsimg

Our credit cards articles, reviews and ratings maintain strict editorial integrity and are independent of whether a card is an advertiser (they are neither commissioned by nor reviewed, approved or endorsed by issuers); however we may receive compensation through the issuers' affiliate programs when you click on links to products from our partners and get approved. See details on how we make money here.

About Our Ratings
Credit Needed
Excellent

First National Bank Discover® Card Review

Top Features

Cashback on Gas
1%
Cashback on groceries
1%
Cashback on other
1%
Annual Fee
None

This card compared to other cash back cards

Card Name
First National Bank Discover® Card
Cashback on Gas
1%
Unlimited 1.5% cash back
1%
Cashback on Groceries
1%
Unlimited 1.5% cash back
1%
Cashback on other
1%
Unlimited 1.5% cash back
5% cash back in categories that change each quarter like gas, restaurants, Amazon and more - up to $1500 every quarter you activate. Plus, unlimited 1% cash back on all other purchases.
Purchase Intro
APR:
0% introductory APR for the first 12 billing cycle
Period:
12 billing cycles
APR:
0% Intro APR on Purchases
Period:
15 months
APR:
0%
Period:
for 12 months
Purchase APR
15.99%, 18.99%, 20.99% or 22.99%, based on your creditworthiness (Variable)
14.24%-23.24% Variable 
11.24% - 23.24% Variable 
CardRatings.com Editorial Staff

First National Bank Discover® Card details

Balance Transfer Intro APR:
0% introductory APR for the first 12 billing cycle
Balance Transfer Intro Period:
12 billing cycles
Purchase Intro:
APR:
0% introductory APR for the first 12 billing cycle
Period:
12 billing cycles
Purchase APR:
15.99%, 18.99%, 20.99% or 22.99%, based on your creditworthiness
Annual Fee:
None
see more  

Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 Prime
 Prime
 Prime
Margin:
 12.74%, 15.74%, 17.74% or 19.74% (see Notes)
 12.74%, 15.74%, 17.74% or 19.74% (see Notes)
 21.99% (see Notes)
APR:
  15.99%, 18.99%, 20.99% or 22.99%, based on your creditworthiness
(Variable)
 15.99%, 18.99%, 20.99% or 22.99%, based on your creditworthiness
 25.24% (variable)
APR Floor:
 None
 None
 None
Intro Rate:
 0% introductory APR for the first 12 billing cycle
 0% introductory APR for the first 12 billing cycle
 N/A
Intro Period:
 12 billing cycles
 12 billing cycles
 None


Finance Calculation Method:
 Average Daily Balance (including new purchases)
Default/Penalty APR:
 None
Default/Penalty Margin:
 None
Default/Penalty APR Floor:
 None
Penalty/Default Trigger:
 None

Credit Card Fee Information:


Annual Fee:
 None
Foreign Transaction Fee:
 3% of each transaction in U.S. dollars
Late Fee:
 Up to $37
Over-the-limit Fee:
 None
Balance Transfer Fee:
Either $10 or 5% of the amount of each transfer, whichever is greater  


Notes:

Rebate Description:
 Earn 1% Cash Bank on all net purchases. Cash Back is based on points earned. You have 3 years from when points are awarded to use them before they expire.
Special Notes:
 APR Note: The Index used to determine your variable APRs is the U.S. Prime Rate shown in the "Money Rates" section of The Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. Rates reflected are in effect as of 1/20/2016, based on an effective Prime Rate of 3.25%. Returned Payment Fee: Up to $35.
Credit Card More Information:

Card Issued By:
 First National Bank of Omaha
General Correspondence Address:
 1 First National Cir
Card Type:
 Discover
Card Class:
 Other
Card Category:
 
States Available In:
 
Minimum Credit Limit:
 
Maximum Credit Limit:
 
Credit Limit Notes:
 

Credit Card Consumer Reviews:

  1. No reviews available for this card.   Be the first to review!

Write Consumer Reviews:





E-Mail will not be published









Start Here

Search. Compare. Apply.

Apply online for Chase Freedom Unlimited ℠

Chase Freedom Unlimited ℠

  • NEW! Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.24-23.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Redeem for cash - any amount, anytime
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
Credit Needed:
Excellent/Good
Apply online for Discover it® - Cashback Match™

Discover it® - Cashback Match™

  • You could turn $200 into $400 with Cashback Match(TM). We'll automatically match all the cash back you earn at the end of your first year. New cardmembers only.
  • Earn 5% cash back in new bonus categories like gas, restaurants, Amazon and more - up to $1500 every quarter you activate. Plus, unlimited 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • FICO(R) Credit Scores for free on statements and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO(R) Credit Score terms, Cashback Match(TM) details & other information.
Credit Needed:
Excellent/Good