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First National Bank
American Express Card®

First National Bank American Express Card

First National Bank
American Express® Card

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Summary of Credit Terms

Account Summary

  • Earn 1.5% cash back1 on purchases.
  • Automatic statement credits every time you earn $25 in cash back.1
  • Rewards earned do not expire.1
  • No annual fee.2
  • Get a one-time $100 automatic statement credit when you spend $500 in the first 3 billing cycles.1
  • Variable 20.24% APR2 on purchases and balance transfers, based on the Prime Rate.
Please see the Summary of Credit Terms for important information on rates, fees, costs, conditions and limitations.


See the Rewards Terms and Conditions in the Summary of Credit Terms for details.


Additional Features3

Fraud Protection

We monitor your account 24/7, and if we suspect fraudulent activity on your credit card, we notify you immediately.

FICO® Credit Score

View your FICO® Credit Score each month online for free. Knowing your FICO® Credit Score can help you maintain or even improve your financial health.

Zero Liability4

Our 24/7 guarantee that you won’t be held responsible for fraudulent charges made with your card or account information.

American Express Connect

CONNECT to a world of special benefits5 - with CONNECT from American Express. You have access to a range of offers for shopping, dining, presale ticket access to popular entertainment, sporting events and more.

Auto Rental Insurance

Receive coverage, at no additional cost, for damage due to collision or theft up to the actual cash value of most rental vehicles.

Design Your Card

With our Design Your Card feature, add your favorite photo or scanned image to your credit card. Simply log in to your credit card account, click "Account Services" and select "Design Your Card" to get started.

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.

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.

Purchase Protection

Will replace, repair or reimburse you for eligible items of personal property up to $1,000 per claim for 90 days from the date of purchase due to covered reasons.

Important Information

1 See the Rewards Terms and Conditions in the Summary of Credit Terms for details. Your % back rewards are earned as points.

2 For additional information about Annual Percentage Rates (APRs), fees and other costs, see the Summary of Credit Terms.

3 Complete details, including restrictions, limitations and exclusions, will be available when you become a Cardmember.

4 Zero Liability is available to holders of American Express Cards issued by First National Bank under the following conditions: Your account is in good standing, you have exercised reasonable care in protecting your card from theft, and you have not reported two or more unauthorized events in the past 12 months. If unauthorized use of your Card occurs, please report it to First National Bank immediately.

5 Cardmembers must register their eligible American Express Card at www.americanexpress.com/us/network/FirstBankcard/ to participate. Program terms apply, offer terms will vary. See program website for details.

Cards are issued by First Bankcard®, a division of First National Bank of Omaha, pursuant to a license from American Express. American Express is a federally registered service mark of American Express.

FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. Please note, new Cardmembers will generally see their FICO® Bankcard Score 8, the version of FICO® Credit Score we use to manage your account, within 45 days of account opening.