10 Benefits of Having a First National Credit Card

The First National Bank of Omaha has four different credit cards that consumers can be approved for. Each card has a set of features and benefits that different people could find useful. That’s because each card is designed for a different type of consumer. We’re going to take a closer look at the First Bank Platinum Edition Visa Card. This is the card that the average person with average credit could get approved for. This is also the kind of card that many people might find beneficial. If you’re looking to apply for a First National credit card, here are 10 benefits of being a cardholder.

1. Low APR

Among all of First National’s credit cards, the Platinum Edition has the lowest APR. What this means for you is simple. If you’re planning to carry a balance from month-to-month, which is something that most credit card holders do, you’ll be paying the lowest interest fees monthly. APR is one of the first things you should consider when getting a credit card, and this one happens to have a competitive rate.

2. Intro APR

Apart from having a general low APR, this First National credit card offers 0% intro APR for your first 15 billing cycles. That’s a year and 3 months of not having to pay for any interest fees. This is the perfect time to make a big purchase. Just make sure you pay it all off before the 15 months are up.

3. Balance transfer

One of the greatest benefits of this card is the balance transfer feature. If you have a balance on your other cards, you can transfer them over to this new card for a minimal fee. It’s a good way to consolidate your credit card debt into fewer or even just one card. That means fewer monthly payments or just one.

4. No annual fee

You’ll never have to pay for any annual fees with this credit card. That’s amazing considering that annual fees could go for anywhere from $35 to over $100 per year. Instead, your entire credit card balance can go towards purchases and not fees.

5. No overlimit fee

It happens sometimes. You might accidentally or unknowingly go over your credit limit. First National is quite forgiving of this scenario because they’ll never charge you a fee for going over the limit. Just make sure that you pay off your overlimit plus the minimum monthly fee in order to not be charged a late fee.

6. Cash advance

If you happen to need some cash and all you have is your credit card, you can easily take out cash from a participating ATM using your First National credit card. This is a very useful benefit, but you will have to be responsible for a cash advance fee.

7. FICO credit score

Being a First National cardholder, you’ll have access to your FICO credit score for free every month. If you’re the type of person that likes to keep up with your credit, this is a great benefit. This can also be useful if you’re in the rebuilding stages of your credit score.

8. Zero liability guarantee

First National guarantees that they’ll never make you liable for any fraudulent charges or purchases made with your credit card. Having your card stolen or your account hacked is something that’s already stressful. First National helps out somehow by not giving you a hard time about paying off the fraudulent charges. That’s something that you’ll never be responsible for.

9. Travel benefits

If you’re a First National credit card holder, you automatically get auto rental insurance and travel accident insurance if you make a rental charge using your credit card. You’ll have no need to purchase additional insurance on your rental. This takes off another stress if ever you do get into an accident while traveling.

10. Purchase protection

You can feel secure knowing that your biggest purchases will be protected as long as you used your First National credit card as payment. If something happens to your purchase that’s not your fault—theft, for example, First National will cover the charges and offer an extended warranty. This is a benefit you think you’d never need until something actually happens.


Add Comment

This site uses Akismet to reduce spam. Learn how your comment data is processed.

Mark Zekulin
20 Things You Didn’t Know about Mark Zekulin
Mitch McConnell
How Mitch McConnell Achieved a Net Worth of $30 Million
Baiju Bhatt
20 Things You Didn’t Know About Baiju Bhatt
Kamala Harris
How Kamala Harris Achieved a Net Worth of $4 Million
Bank of America
Choosing The Right Bank Account for Your Child: 5 Suggestions
Debt
The Document That Protects You Against Debt Collectors
10 Ways Millionaires Manage Their Money that You Don’t
Retirement
10 Careers Workers Retire Earliest In
Seattle Waterfront
The 20 Best Places to Live in Seattle
The 20 Best Places to Live in Boston
Austin Texas
The 20 Best Places to Live in Austin
UK place
The 20 Best Places to Live in England
The 20 Best Seafood Restaurants in Miami
The 20 Best Things to do in Paris for First Timers
The 20 Best Cape May Hotels in 2019
Flagler College
The 10 Best Seafood Restaurants in St. Augustine, FL
Best Large Hybrid SUVs
20 Best Large Hybrid SUVs for 2020
Best Cadillac CTS Models
The 10 Best Cadillac CTS Models of All-Time
2020 Chrysler Pacifica Hybrid
The 20 Best Affordable Plug-In Hybrid Cars for 2020
2020 Toyota Tundra
The 20 Best Pickup Trucks Heading into 2020
The 20 Best Bulova Watches of All-Time
The 20 Best Ball Watches of All-Time
The 20 Best Victorinox Watches of All-Time
Samsung Galaxy Watch Active
The 20 Best Samsung Watches of All-Time