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Frequent Contributor
mmduluth
Posts: 320
Registered: ‎05-17-2011
0

First National Bank of Omaha Amex

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. 

 

 

EQ FICO - 718 - 01/10/2012 EX FICO - 732 - 04/28/2012 (AMEX)

Cap1 Platinum (1000) Macy’s (2000) Chase Freedom (3000) Kohls (600) Best Buy (2700) Amex BCE (8200) Chase Sapphire (5000) CarCare1 (1600) Discover IT (4000)
Established Contributor
andre181
Posts: 627
Registered: ‎07-29-2010
0

Re: First National Bank of Omaha Amex

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.

Discover IT $25K | FNBO Visa $22K | Citi Forward $14.5K | US Bank Cash+ Visa Sig $15K | Priceline/Barclays $10K | Chase Freedom $10.5K | Amazon/Chase Visa Sig $8.3k | Citi Double Cash $6.5K | BoA Cash Rewards 1-2-3 Sig $7.5K | Sallie Mae World MC/Barclays $5K | Capital One Cash Rewards $5K | Commerce Bank $5K | WF Cash Back Visa $3.6K | Amazon/GEMB $2.5K | Younkers/Comenity $2.4K | AMEX BCE $2K Target $1K | AMEX Green
EX FICO (from AMEX): 754, TU08 FICO (from Discover): 755, AAoA: 3.6 years
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: First National Bank of Omaha Amex

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



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Frequent Contributor
mmduluth
Posts: 320
Registered: ‎05-17-2011
0

Re: First National Bank of Omaha Amex

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. 

EQ FICO - 718 - 01/10/2012 EX FICO - 732 - 04/28/2012 (AMEX)

Cap1 Platinum (1000) Macy’s (2000) Chase Freedom (3000) Kohls (600) Best Buy (2700) Amex BCE (8200) Chase Sapphire (5000) CarCare1 (1600) Discover IT (4000)
Established Contributor
searchingfor67
Posts: 668
Registered: ‎08-02-2011
0

Re: First National Bank of Omaha Amex

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.

TU FICO: 772 (Discover) • Exp FICO: 772 (Citi)

Amex BCP $13K | Amex Costco TE $10.4K | Amex SPG $10.1K | Chase Freedom Visa Signature $15K | Chase Sapphire Preferred Visa Signature $15K | Chase Ink Plus World Elite MC $5K | Citi TY Preferred World MC $10.1K | Citi Forward $10K | Discover IT $9K | JP Morgan Chase Select Visa Signature $9.2K | NFCU Flagship Visa Signature $25K | NFCU LOC $15K | NFL Visa Signature (Saints) $8.1K | USAA Amex $10K | USAA World MC $9K
Moderator Emeritus
tinuviel
Posts: 4,877
Registered: ‎11-02-2010
0

Re: First National Bank of Omaha Amex

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.


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Established Contributor
KIPPIE12
Posts: 620
Registered: ‎05-09-2009
0

Re: First National Bank of Omaha Amex

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.

Current Score: EQ: 807 TU: 811 EX: 813 (Fico) 8/14
Goal Scores: 760 Across all 3-Finally


Citi TY Premier 36k| Discover 15.6k|BOA WMC 30.5k|Barclays Juniper Rewards 15k|Barclays Amex 20k| CapOne 15K|Chase Freedom VS 19.3k|Citi Dividend WMC 25k|FNBO 15.5k|CSP 22.1K|Chase Marriott 31.3k|Citi TYP 20K|Citi DP 16.5k|Sams Discover 10k|Chase IHG Select Visa 26k|Macys 5k|Sams MasterCard 10k|Barclay Arrival Plus WEMC 10k|Chae IHG WMC 26k|Citi Double Cash 10k|Chase MileagePlus Explorer 14k
Established Contributor
Cdnewmanpac
Posts: 767
Registered: ‎01-16-2012
0

Re: First National Bank of Omaha Amex

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. 

In wallet: Ink Plus 10k, AMEX TE 25k. In bag: CSP 16k, USAA WMC 15k, Hyatt 13k, United MPE 12k, AMEX HHonors 3k. In SD: Cap 1 QS 5k, Discover IT 7k. FICO 08 says my EQ is now 844, was 510 in 2010.
Established Contributor
snowkitty
Posts: 985
Registered: ‎09-10-2012
0

Re: First National Bank of Omaha Amex

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
TU Fico 714 | Sesame 742 | Credit Karma 762 | Wal-Mart FICO 734 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 13.1k | Citi Diamond Preferred 10.2k | CSP 5k | Bofa Cash 9k | Boa Travel 10k | Discover More 3k | Chase SW 5k | Wal-Mart 3.3k | Amazon 5k | Old Navy Visa 5k | Shell 1200 | BP 400 | VS 1500 | Sam's Discover 8.5k | FNBO Amex 16k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

App free since 12/11/13*
Established Contributor
andre181
Posts: 627
Registered: ‎07-29-2010
0

Re: First National Bank of Omaha Amex

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

Discover IT $25K | FNBO Visa $22K | Citi Forward $14.5K | US Bank Cash+ Visa Sig $15K | Priceline/Barclays $10K | Chase Freedom $10.5K | Amazon/Chase Visa Sig $8.3k | Citi Double Cash $6.5K | BoA Cash Rewards 1-2-3 Sig $7.5K | Sallie Mae World MC/Barclays $5K | Capital One Cash Rewards $5K | Commerce Bank $5K | WF Cash Back Visa $3.6K | Amazon/GEMB $2.5K | Younkers/Comenity $2.4K | AMEX BCE $2K Target $1K | AMEX Green
EX FICO (from AMEX): 754, TU08 FICO (from Discover): 755, AAoA: 3.6 years

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