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First National Bank of Omaha Graphite(SM) American Express® Card Review

First National Bank of Omaha Graphite(SM) American Express® Card details

Balance Transfer Intro APR:
0% Fixed
Balance Transfer Intro Period:
12 billing_cycles
Purchase Intro:
0% Fixed
12 billing_cycles
Purchase APR:
13.99% - 19.99% Variable
Annual Fee:
see more  

Credit Card Rate Information:

  Balance Transfer
  Cash Advance
 10.74 - 16.74
 10.74 - 16.74
  13.99% - 19.99% Variable
 13.99% - 19.99% Variable
 25.24% Variable
APR Floor:
Intro Rate:
 0% Fixed
 0% Fixed
Intro Period:
 12 billing_cycles
 12 billing_cycles

Finance Calculation Method:
 Average Daily Balance
Default/Penalty APR:
 Up to 29.99% Variable
Default/Penalty Margin:
 Up to 26.74
Default/Penalty APR Floor:
Maximum Default APR:
 29.99% Variable
Penalty/Default Trigger:
 Penalty APR may be applied to your account if you make a late payment, or make a payment that is returned.

Credit Card Fee Information:

Annual Fee:
Foreign Transaction Fee:
Late Fee:
Over-the-limit Fee:
Balance Transfer Fee:
5% ($10 min. )  


Rebate Description:
 Enjoy exclusive Travel Privileges everywhere you go. Earn 3% cash back on qualifying airline purchases, 2% cash back on qualifying gas and grocery purchases and 1% on all other qualifying purchases.
Special Notes:
 APR for Purchases and Balance Transfers: 0.00% introductory APR for the first 12 billing cycles. After that, your APR will be 13.99%, 16.99% or 19.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Balance Transfer Fees: Introductory fee of either $10 or 3% of the amount of each transfer, whichever is greater, for balance transfers made in the first 12 billing cycles. After that, either $10 or 5% of the amount of each transfer, whichever is greater. Cash Advance or Cash Equivalent Fee: Either $15 or 5% of the amount of each cash advance, whichever is greater. No Foreign Transaction Fee. Penalty APR: Up to 29.99; If your APRs are increased for any of the stated reasons, the Penalty APRs may apply indefinitely.
Credit Card More Information:

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

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BankAmericard Cash Rewards™ Credit Card

  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 1% cash back on every purchase, 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery/gas purchases each quarter
  • No annual fee
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 12.99% - 22.99% Variable APR. 3% fee (min $10) applies to balance transfers.
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Credit Needed:

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