topic Re: FNBO Graphite Amex Card in Credit Cards

FNBO Graphite Amex Card

Anonymous — Fri, 19 Feb 2016 23:46:31 GMT

Does anyone here have any experience with the First National Bank of Omaha Graphite Amex Card? I ask because I received a pre-approval notice in the mail yesterday and the one thing that really caught my eye was the guaranteed for life APR. I don't have it with me right now but I believe the APR was around 4%. If anyone here has the card let me know what you think of it.

Re: FNBO Graphite Amex Card

Anonymous — Sat, 20 Feb 2016 00:05:31 GMT

That must be a targeted offer because their web site says the APR is between 13.99% and 19.99%.

Re: FNBO Graphite Amex Card

CreditMagic7 — Sat, 20 Feb 2016 00:07:43 GMT

Whew! That APR is enticing enough to drool over.

FNBO must be stepping things up on their end (even if it's targeted) WoW

Re: FNBO Graphite Amex Card

Anonymous — Sat, 20 Feb 2016 00:09:29 GMT

@Anonymous wrote:
That must be a targeted offer because their web site says the APR is between 13.99% and 19.99%.

They send out offers once in a while and it's a set APR based on prime, so it can go much higher than the 3.50% offer. i got an offer for 3.25% before the Prime went up and the general consensus in threads about it before was that because it has no rewards and a $99 AF, that there are better cards out there.

Re: FNBO Graphite Amex Card

happypill — Sat, 20 Feb 2016 00:37:13 GMT

I remember looking at that card. It has a $99 AF which makes it useless for me. I'm only willing to AF if the rewards exceed the value of the fee. I never carry a balance so low APR isn't really useful to me except as a backup in case of emergency. There are no AF cards that offer APR in the same range or lower.

Re: FNBO Graphite Amex Card

galahad15 — Sat, 20 Feb 2016 01:28:37 GMT

I would rather keep the AF-free 6.50% V FNBO Amex card I currently have (also with unlimited 1.5% cashback rewards), than have the 3.50% version with the AF, but jmho tho of course

Re: FNBO Graphite Amex Card

Themanwhocan — Sat, 20 Feb 2016 02:08:26 GMT

Here is an old article regarding a previous version if the Prime For Life card:

http://www.magnifymoney.com/blog/consumer-watchdog/first-national-bank-omaha-prime-for-life