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First National Bank of Omaha Discover® Card
- 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.
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.
* For additional information about Annual Percentage Rates (APRs), fees and other costs, please see the Summary of Credit Terms.
† See the Rewards Terms and Conditions in the Summary of Credit Terms for details.
†† You are protected against unauthorized use of your FNBO Discover Card with our $0 Fraud Liability protection, provided you have handled your Discover Network Card responsibly, have not reported more than two unauthorized events within 12 months and have not benefited from its unauthorized use. If unauthorized use occurs, report it to your financial institution immediately.
‡ Complete details, including restrictions, limitations and exclusions, will be available when you become a Cardmember.
Discover® and the Discover acceptance mark are service marks used by First National Bank of Omaha under license from Discover Finanacial Services.
Cards are issued by First Bankcard®, a division of First National Bank of Omaha.