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First National Bank of Omaha Discover® Card

Earn Cash Rewards Everywhere
  • Earn up to 5% cash back on all qualifying purchases
  • 0% intro APR* on purchases and balance transfers for the first 12 billing cycles after your account is opened
  • KEEP SAVING after the intro rates expire with a variable APR between 13.99% and 19.99% depending on how you meet our credit criteria based on the Prime Rate
  • No Annual Fee*

Credit Card Benefits

  • Cash Over
    Use your card at participating merchant locations and you can conveniently get cash back at the time of purchase.
  • Zero Liability††
    Our 24/7 guarantee that you won’t be held responsible for fraudulent charges made with your card or account information.
  • Auto Rental Insurance
    Automatically receive secondary collision and loss damage waiver coverage up to $25K per rental with no deductible.
  • Travel Accident Insurance
    Receive coverage for common carrier accidental death or dismemberment, at no extra cost, when you charge your entire travel fare to your card.
  • Lowest Purchase Price Guarantee
    Reimburses cardholders for the cost difference between the original purchase price of a covered item and the lower price found at any store within 60 days of the original purchase.
  • Purchase Protection
    Will replace, repair, or reimburse you for eligible items of personal property up to $500 per claim for ninety (90) days from the date of purchase due to covered reasons.
  • Extended Warranty
    Covers exactly what the original U.S. warranty covers up to a maximum of one additional year. If covered damage or breakage occurs, the item will be repaired or replaced.

Important Information

In order to keep these rates, you must make payments when due, stay within your credit limit and not have any payments dishonored for any reason. Introductory rates do not apply to cash advances.

Save even more with a low introductory balance transfer fee of 3% for the first 12 billing cycles with this offer (minimum $10). After that, a balance transfer fee of 5% applies to each balance transfer that you make (minimum $10).

We reserve the right to change the account terms should your credit profile change or for other reasons described in the Summary of Credit Terms. All changes in terms will be subject to the requirements of applicable law. Offer applies to new accounts only. Payments on your account may be applied in the order we select, subject to applicable law.