topic Re: First National Bank of Omaha Amex in Credit Cards

First National Bank of Omaha Amex

mmduluth — Tue, 25 Sep 2012 02:01:36 GMT

No annual fee, 2% cash back on gas and groceries, and 1% on everything else. The pre approval came in a fancy black envelope and made a point of stating that this card is available by invitation only and blah blah. Anyone else get this? I'm not applying because I just got my Discover and I've opened enough new accounts this year. I'm planning on going car shopping at the end of this year or beginning of next and don't want any more INQs.

Re: First National Bank of Omaha Amex

andre181 — Tue, 25 Sep 2012 02:10:16 GMT

I've gotten that invite too.

I didn't go for it because I already have a card from FNBO and I have enough cash back cards, and the FNBO Amex rewars aren't anything special. I like my plain jane FNBO Platinum Edition Visa, with high CL, low APR, and no rewards.

Re: First National Bank of Omaha Amex

LS2982 — Tue, 25 Sep 2012 02:13:30 GMT

That's a lackluster rewards program, on par with Cap1 NHC.

Re: First National Bank of Omaha Amex

mmduluth — Tue, 25 Sep 2012 02:21:57 GMT

I agree. The rewards were just kind of "mehh" to me too. I already have my BCE that beats those categories anyways. I just thought it was funny how they say you're pre approved and make a big deal out of it being "invite only" like they didn't just send out thousands of the same letters.

Re: First National Bank of Omaha Amex

searchingfor67 — Tue, 25 Sep 2012 15:45:15 GMT

I received the same pre-approval offer yesterday, and I promptly threw it in the trash...not enticing enough to lure me out ot the garden.

Re: First National Bank of Omaha Amex

tinuviel — Tue, 25 Sep 2012 15:48:43 GMT

I received the same "exclusive" offer. I don't need it, as I already have a good cash rewards card in my line up. And after adding four new cards last month, I'm in no mood to wack away any further on my AAoA. No, at this point, I'm firmly planted in the garden.

Re: First National Bank of Omaha Amex

KIPPIE12 — Tue, 25 Sep 2012 23:15:19 GMT

Received the same offer along with the Discover. Nothing special about it, but then again, it might fit someone's spending/shopping habits with the 2% for gas and groceries. I believe that's all the time, and 1% elsewhere. Already have the Bucksback Visa, so far no problems with FNBO.

Re: First National Bank of Omaha Amex

Cdnewmanpac — Tue, 25 Sep 2012 23:21:37 GMT

Interesting. My fnbo Amex offer came with a 9.9% apr for life. yeah, the rewards were nothing special, but I thought the apr was the pitch. Honestly, if it had been a visa instead of Amex, I would have bit. Too many of the places where I might need to carry a balance don't take Amex.

Re: First National Bank of Omaha Amex

snowkitty — Tue, 09 Oct 2012 21:43:00 GMT

I just received the same offer in the mail. Has anyone acccepted this? I have not seen where they softed me....who do they pull? I saw one post from experian but it was back in 08. I'm intrigued with this preapproval

Re: First National Bank of Omaha Amex

andre181 — Tue, 09 Oct 2012 22:52:48 GMT

They pull EX. Every application gets manually reviewed so don't be surprised when you get a 7-10 day message.

Re: First National Bank of Omaha Amex

maiden_girl — Tue, 09 Oct 2012 22:56:55 GMT

I had the same pre-approval off like a week ago. I trashed it. Have enough cards already! Mahaha

Re: First National Bank of Omaha Amex

jwduke — Wed, 10 Oct 2012 00:53:45 GMT

They are a very conservative bank....I got turned down for too many apps. And I have $60,000 in their bank!

Re: First National Bank of Omaha Amex

snowkitty — Wed, 10 Oct 2012 01:10:43 GMT

They sure make the preapproval sound like you are absolutely, positively approved :/