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Complete Rewards® Visa® Card


Complete Rewards Visa Card

Complete Rewards® Visa® Card

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Summary of Credit Terms

Account Summary

  • Earn 1% back on purchases1 to redeem for cash back, gift cards, travel or merchandise.
  • Double your rewards: Redeem your rewards into a First National checking, savings, mortgage or NEST 529 account for a higher value of 2% back.1
  • Rewards earned do not expire.1
  • No annual fee.2
  • 0% introductory APR2 for the first 15 billing cycles on purchases. After that, a variable APR2 based on the Prime Rate between 17.24% and 24.24% APR, depending on your creditworthiness.
  • Earn up to a $50 bonus: Make a purchase in the first three billing cycles, and you’ll earn enough rewards to redeem for $25 in cash back, gift cards, travel or merchandise. Get $50 if you choose to redeem your bonus rewards into your First National checking, savings, mortgage or NEST 529 account.1
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.

You must pay your entire statement balance (including all promotional purchases and balance transfer balances) by the due date each month to avoid being charged interest on new purchases from the date those purchases are made, unless your new purchases are subject to a 0% interest rate.

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.

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 of scanned image to your credit card. Simply log in to your 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 Visa's Zero Liability policy covers U.S. issued cards only and does not apply to PIN transactions not processed by Visa or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit

Investors should consider if their or their beneficiary’s home state offers any state tax or other benefits that are only available in such state’s qualified tuition plan. Visit for more information.

Investments are not FDIC Insured.* | No bank, state or federal guarantee | May lose value

* Except the Bank Savings Individual Investment Option

Cards are issued by First Bankcard®, a division of First National Bank of Omaha, pursuant to a license from Visa U.S.A., Inc. VISA and VISA SIGNATURE are registered trademarks of Visa International Service Association and used under license.

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.