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About Our Ratings
Credit Needed
Excellent

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

Top Features

Cashback on Gas
2%
Cashback on groceries
2%
Cashback on other
1% - 3%
Annual Fee
$99

This card compared to other cash back cards

Card Name
First National Bank of Omaha Graphite(SM) American Express® Card
Cashback on Gas
2%
1%
5% Earnings for $5k and 2% after
Cashback on Groceries
2%
1%
5% Earnings for $5k and 2% after
Cashback on other
1% - 3%
5% cash back in new bonus categories each quarter like gas, restaurants, Amazon.com and more, up to the quarterly maximum each time you activate. Plus, unlimited 1% cash back on all other purchases.
5% Earnings for $5k and 2% after
Purchase Intro
APR:
0% Fixed
Period:
12 billing_cycles
APR:
0%
Period:
14 months
APR:
0% intro on purchases
Period:
12 months
Purchase APR
13.99% - 19.99% Variable 
11.24% - 23.24% Variable 
13.15% - 23.15% (V) (V)
CardRatings.com Editorial Staff

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:
APR:
0% Fixed
Period:
12 billing_cycles
Purchase APR:
13.99% - 19.99% Variable
Annual Fee:
$99
see more  

Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 prime
 
 
Margin:
 10.74 - 16.74
 10.74 - 16.74
 21.99
APR:
  13.99% - 19.99% Variable
 13.99% - 19.99% Variable
 25.24% Variable
APR Floor:
 None
 None
 None
Intro Rate:
 0% Fixed
 0% Fixed
 None
Intro Period:
 12 billing_cycles
 12 billing_cycles
 None


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:
 $99
Foreign Transaction Fee:
 None
Late Fee:
 N/A
Over-the-limit Fee:
 None
Balance Transfer Fee:
5% ($10 min. )  


Notes:

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
Omaha, NE 68102
Card Type:
 American Express
Card Class:
 Other
Card Category:
 
States Available In:
 
Minimum Credit Limit:
 
Maximum Credit Limit:
 
Credit Limit Notes:
 

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Credit Needed:
Excellent/Good
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  • 5% Earnings on your first $5,000 in purchases every year. Unlimited 2% Earnings on every purchase after that. Redeem Earnings toward the purchase or lease of a new Chevrolet, Buick, GMC or Cadillac vehicle.
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  • 0% intro APR on purchases for 12 months, then a 13.15% - 23.15% variable APR on purchases will apply
Credit Needed:
Excellent/Good