2T-AGR-307-2307
307 - -129994
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases)”.
Index And When It Is Determined: The Index used to determine your variable APRs is the U.S. Prime Rate shown in the “Money Rates” section of The Wall Street Journal on the last day the rate is published in each
calendar month (the “determination date”). The above APRs are based on an Index (Prime Rate) of 8.50% as of the 05/31/2024 determination date. If the Prime Rate is higher or lower on a later determination date,
the above APRs may increase or decrease accordingly.
When you become a cardmember, the Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index
determined on the last day the rate is published in The Wall Street Journal in May.
APR for Purchases and Balance Transfers: To determine the variable APR for purchases and balance transfers, we add a margin of 19.74% to the Index (Prime Rate).
APR for Cash Advances: To determine the variable APR for cash advances, we add a margin of 21.24% to the Index (Prime Rate).
How We Will Calculate Your Minimum Payment: If your New Balance is less than $40, the minimum payment will be equal to your New Balance. If your New Balance is $40 or greater, the minimum payment
will be the greater of (a) 2% of the New Balance or $40, whichever is larger; or (b) the current cycle fees and nance charges (except balance transfer fees) plus 1% of the New Balance (excluding current cycle
fees and nance charges). Your minimum payment will also include any amount (i) past due and (ii) necessary to reduce your balance to your credit limit. Calculations will exclude disputed amounts. Balance
transfer fees will be part of your Balance Transfers Balance Category, unless we specify otherwise.
1
We will begin charging interest on cash advances and balance transfers on the transaction date.
Your account will generally have monthly billing cycles. However, your rst billing cycle may be more or less than one month.
IMPORTANT NOTICE REGARDING CHANGES IN TERMS. We may change the APRs, rates, fees, costs, and other terms of your account subject to, and as allowed by, applicable law.
Payments on your account will be generally applied as follows: (a) the minimum payment amount will be applied to balances with the lowest APRs before balances with higher APRs; and (b) any amount you pay in excess
of the minimum payment will be applied to balances with the highest APRs before balances with lower APRs.
BALANCE TRANSFERS: You authorize us to make each balance transfer you request. Each company you request us to pay and each balance transfer request may be treated as a separate balance transfer transaction.
Each balance transfer is subject to our approval and we are not liable if we do not make any balance transfer you request. We reserve the right to make balance transfers in the order we select and to limit the amount of
the balance transfers that we make (this amount may be less than your total credit limit). If you ask for a balance transfer and we do not approve the full amount, we may either pay only part of the amount you asked for
or decline your request. You may not transfer balances from other accounts you have with us or our related companies. In addition, we may not process a balance transfer request if it is incomplete, illegible or written to
cash. Each balance transfer is subject to applicable fees and nance charges and does not have the benet of an interest-free (grace) period.
Please consider the following when asking for a balance transfer: (a) To protect your rights, you should not transfer any amount that you dispute, (b) you should continue to make all payments due on the other accounts
until you receive notice from them that they have been paid in full, (c) you are liable for any late payments, nance charges or disputed amounts on your other accounts, and (d) if you want your other accounts closed
following a balance transfer, you are responsible for doing so.
CREDIT REPORTS: By applying for this account, you agree that FNBO may obtain credit reports for purposes of processing your application and for later purposes related to your account such as reviewing, updating
and renewing it, increasing the credit line and collecting. If you request, you will be informed of whether or not a credit report was requested and of the name and address of the consumer reporting agency that furnished
the report. You also authorize FNBO to verify your employment, income and other relevant information.
NOTICE TO CARDMEMBERS AND AUTHORIZED USERS: We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reected in
your credit report.
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government ght the funding of terrorism and money laundering activities, Federal law requires all nancial
institutions to obtain, verify, and record information that identies each person who opens an account.
What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying
documents.
Married applicants may apply for separate accounts in their own names.
OHIO RESIDENTS: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each
individual upon request. The Ohio Civil Rights Commission administers compliance with this law.
IMPORTANT RATE, FEE AND OTHER COST INFORMATION (SUMMARY OF CREDIT TERMS)
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases
28.24% when you open your account. This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers
28.24% This APR will vary with the market based on the Prime Rate.
APR for Cash Advances
29.74%. This APR will vary with the market based on the Prime Rate.
Penalty APR and When it Applies
None
How to Avoid Paying Interest on
Purchases
Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
1
Minimum Interest Charge
If you are charged interest, the charge will be no less than $1.75.
For Credit Card Tips from the
Consumer Financial Protection Bureau
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at
www.consumernance.gov/learnmore.
Fees
Set-up and Maintenance Fees
Annual Fee $99
Monthly Fee None
Transaction Fees
Balance Transfer Either $10 or 5% of the amount of each transfer, whichever is greater
Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater
Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater
Foreign Transaction None
Penalty Fees
Late Payment Up to $40
Returned Payment (Payment
Dishonored)
Up to $35
Guest Rewards
®
Preferred Mastercard
®
PLEASE NOTE: If you apply for a credit card, you may receive a Platinum Edition
®
Mastercard
®
, a World Mastercard
®
, or we may decline to open an account for you. Eligibility for card products depends on the
information provided in your application and your credit card history. The card you are approved for will determine your Mastercard benets.
Cards are issued by First National Bank of Omaha, which is referred to below as “we”, “us”, “our”, and “FNBO
®
”.
NOTICE TO MARRIED WISCONSIN APPLICANTS: No provision of any marital property agreement, unilateral statement or court decree adversely affects our interests and/or rights unless, prior to the time the credit is
granted or an open-end credit plan is entered into, we are furnished with a copy of the agreement, statement, or decree, or have actual knowledge of the adverse provision. Married Wisconsin residents applying for
credit separately must furnish name and address of their spouse to FNBO at P.O. Box 3437, Omaha, NE 68172-9981.
CALIFORNIA RESIDENTS: The applicant, if married, may apply for a separate account. After credit approval, each applicant shall have the right to use this account to the extent of any credit limit set by the creditor and
each applicant may be liable for all amounts of credit extended under this account to each joint applicant.
NEW YORK RESIDENTS may contact the New York State Department of Financial Services by telephone or visit its website for free information on comparative credit card rates, fees and grace periods. New York State
Department of Financial Services: 1-800-342-3736 and “www.dfs.ny.gov”.
ARBITRATION NOTICE: You understand that any Cardmember Agreement you receive will contain an arbitration provision that may substantially limit your rights in the event of a dispute, including your right to litigate
in court or have a jury trial, discovery and appeal rights, and the right to participate in court or in arbitration as a representative or member of a class action. Please review the Cardmember Agreement and its arbitration
provision carefully before you use or allow someone else to use an account.
The arbitration provision will not apply to you if, at the time your account is opened, you are a covered borrower under the Military Lending Act and U.S. Department of Defense regulations (32 C.F.R. pt. 232). For example,
you would generally be a covered borrower if, at the time your account is opened, you are: (1) a member of the U.S. armed forces on active duty under a call or order not specifying a period of 30 days or less; (2) an active
Guard or Reserve; or (3) a spouse or dependent of a person who qualies under (1) or (2).
IMPORTANT REWARDS PROGRAM INFORMATION
AMTRAK GUEST REWARDS CREDIT CARD REWARDS PROGRAM TERMS AND CONDITIONS SUMMARY
Please read this Terms and Conditions Summary for important information about the Amtrak Guest Rewards Credit Card Rewards Program (the “Credit Card Rewards Program”). First National Bank of Omaha, is referred
to below as “we”, “us”, “our”, and “FNBO
®
”. FNBO is the issuer of the credit card account(s) (“Account”) and the sponsor of the Credit Card Rewards Program. The Credit Card Rewards Program is offered at our sole
discretion and is dependent on the participation and cooperation of National Railroad Passenger Corporation (referred to as “Amtrak”).
Complete Credit Card Rewards Program Terms and Conditions (including additional limitations and restrictions) will be provided to you if you become an approved cardmember.
Rewards can be earned in two ways: through the Amtrak Guest Rewards program (the “Amtrak Guest Rewards Program”) provided and administered by Amtrak and through the Credit Card Rewards Program.
AMTRAK GUEST REWARDS PROGRAM: Amtrak Guest Rewards Program points (“Amtrak Guest Rewards Points”) can be earned through the Amtrak Guest Rewards Program by establishing a valid Amtrak Guest
Rewards Program account (“Amtrak Guest Rewards Membership Account”). Amtrak is solely responsible for the rules and administration of the Amtrak Guest Rewards Program, which is governed by separate terms
and conditions found at www.amtrak.com/guestrewards. Amtrak Guest Rewards Points are redeemable only through the Amtrak Guest Rewards Program.
The Amtrak Guest Rewards Program may, at Amtrak’s sole discretion, offer additional or promotional opportunities to earn a greater number of Amtrak Guest Rewards Points in connection with certain purchases or
promotions. There may be a limit to the number of Amtrak Guest Rewards Points that can be earned in connection with such purchases or promotions, and certain exclusions, and limitations, on redemption may apply,
as determined by Amtrak.
CREDIT CARD REWARDS PROGRAM: Credit Card Rewards Program points (“Points”) can be earned in the Credit Card Rewards Program as described in the table below. All Points earned in the Credit Card Rewards
Program will be automatically reported to the Amtrak Guest Rewards Program monthly and are redeemable only as Amtrak Guest Rewards Points through the Amtrak Guest Rewards Program.
Membership in the Amtrak Guest Rewards Program is required in order for Points earned in the Credit Card Rewards Program to be reported to the Amtrak Guest Rewards Program.You can enroll in the Amtrak Guest
Rewards Program at www.amtrak.com/guestrewards. Enrollment in the Credit Card Rewards Program for Amtrak Guest Rewards Program members will occur automatically when the Account is opened. The Amtrak
Guest Rewards Program membership and Amtrak Guest Rewards Membership Account will remain in force in accordance with the terms and conditions of the Amtrak Guest Rewards Program, even if an Account is not
opened. If enrollment in the Amtrak Guest Rewards Program is terminated or cancelled for any reason, we may terminate enrollment in the Credit Card Rewards Program.
ENROLLMENT: To participate in the Credit Card Rewards Program, the Account must be open, you must have a valid and current Amtrak Guest Rewards Membership Account, and you must comply with all terms of the
Amtrak Guest Rewards Program. The “Enrollment Date” is the date the Account is opened or, if later, the date enrollment in the Credit Card Rewards Program is completed. Credit Card Rewards Program membership will
be automatically renewed each year with the Terms and Conditions and the fees, if any, then in effect, until we are notied that the card is being cancelled or enrollment in the Credit Card Rewards Program is terminated
as otherwise permitted by these Terms and Conditions.
EARN POINTS Earn 3 Points for each $1.00 of Amtrak Purchases posted to the Account.
Earn 2 Points for each $1.00 of Travel and Transit Purchases or Dining Purchases posted to the Account.
Earn 1 Point for each $1.00 of Net Purchases posted to the Account that is not from an Amtrak Purchase, Travel and Transit Purchase, or Dining Purchase.
BONUS EARNINGS In addition to the above, you will earn 20,000 bonus Points after the rst $1,000 in Net Purchases are posted to the Account within the rst 3 consecutive billing cycles after the
Account is opened. Please allow up to 8 weeks after bonus Points are earned for these bonus Points to be added to your Point balance (Account must be open and enrolled in
the Credit Card Rewards Program at that time). Your Account will generally have monthly billing cycles (whether or not you receive an Account billing statement for the month).
However, your rst billing cycle will begin on the day you open your Account and may be more or less than one month.
In addition to the above, you will earn a 20% rebate in the form of a statement credit on Amtrak Food and Beverage Purchases posted to the Account. Statement credits do not
count as payments on your Account, and the regular monthly minimum payments shown on the Account billing statement must still be made. Please allow up to 8 weeks after you
qualify for this statement credit for it to be applied to your Account (Account must be open and enrolled in the Credit Card Rewards Program at that time).
In addition to the above, Amtrak will award 1,000 Tier Qualifying Points (“TQP”) for every $5,000 in Net Purchases posted to the Account. Please allow up to 8 weeks after the
TQP’s are earned for these TQP’s to be added to your Amtrak Guest Rewards Membership Account (the Account must be open and enrolled in the Credit Card Rewards Program
at that time).
ANNUAL CREDIT CARD
REWARDS PROGRAM FEE
There is no annual Credit Card Rewards Program fee. However, please review the “Fees” Section in this Summary of Credit Terms for information on possible annual or monthly
set-up and maintenance fees associated with the Account.
LIMIT ON POINTS EARNED There is no limit on the number of Points that can be earned, but if we offer bonus Points, we may limit the number of bonus Points awarded for certain purchases and/or
promotions.
POINT EXPIRATION Please see the Amtrak Guest Rewards Program terms and conditions at www.amtrak.com/guestrewards for information regarding expiration, redemption, forfeiture, and other
limitations on Amtrak Guest Rewards Points.
POINT FORFEITURE If the Account is closed for any reason, enrollment in the Credit Card Rewards Program will be terminated and any accumulated Points not yet awarded in the Credit Card
Rewards Program may be forfeited.
POINT REDEMPTION Each Point earned in the Credit Card Rewards Program will equate to 1 Amtrak Guest Rewards Point, which will be redeemable only through the Amtrak Guest Rewards Program.
REDEMPTION REQUESTS Points are redeemable only after they are reported to the Amtrak Guest Rewards Program. Please see the Amtrak Guest Rewards Program terms and conditions at www.amtrak.
com/guestrewards for information on Amtrak Guest Rewards Point redemption.
NET PURCHASES: “Net Purchases” are authorized, new purchases posted to the Account on or after the Enrollment Date, excluding refunds, credits (for returned merchandise or otherwise), and disputed billing
items. Net Purchases do not include: (a) annual fees, nance charges, and other fees or charges posted by us to the Account; (b) cash advances (including, but not limited to, purchases of money orders or other cash
equivalents) or special check transactions; (c) balance transfers; (d) charges for other products, services, or benets that we provide; or (e) other transactions that we determine not to be eligible. “Amtrak Purchases” are
Net Purchases of Amtrak goods and services available through www.amtrak.com, Amtrak mobile app, or at Amtrak participating locations (including onboard purchases and Amtrak Vacation purchases). “Amtrak Food
and Beverage Purchases” are Net Purchases made from Amtrak whose merchant category code (“MCC”) is classied by the payment card industry as “Eating Places, Restaurants” (MCC 5812), “Bars, Cocktail Lounges,
Discotheques, Nightclubs, and Taverns: Drinking Places (Alcoholic Beverages)” (MCC 5813), or “Fast Food Restaurants” (MCC 5814).“Travel and Transit Purchases” are Net Purchases made at any merchant whose
merchant category code (“MCC”) is classied by the payment card industry as “Transportation: Suburban and Local Commuter Passenger, including Ferries” (MCC 4111), “Passenger Railways” (MCC 4112), “Limousines
and Taxicabs” (MCC 4121), “Bus Lines” (MCC 4131), “Cruise Lines” (MCC 4411), “Airline, Air Carriers: Not Elsewhere Classied” (MCC 4511), “Airports, Airport Terminals, Flying Fields” (MCC 4582), “Travel Agencies
and Tour Operators” (MCC 4722), “Bridge and Road Fees, Tolls” (MCC 4784), “Transportation Services: not elsewhere classied” (MCC 4789), “Direct Marketing: Travel-Related Arrangements Services“ (MCC 5962),
“Lodging: Hotels, Motels, Resorts: not elsewhere classied” (MCC 7011), “Timeshares” (MCC 7012), “Automobile Rental Agency: not elsewhere classied” (MCC 7512), “Motor Home and Recreational Vehicle Rentals”
(MCC 7519), “Automobile Parking Lots and Garages” (MCC 7523), “Airline, Air Carriers” (MCC 3000 – 3350), “Car Rental Agencies” (MCC 3351 3500), or “Lodging: Hotels, Motels, Resorts” (MCC 3501 3999).“Dining
Purchases” are Net Purchases made at any merchant, other than Amtrak, whose merchant category code (“MCC”) is classied by the payment card industry as “Caterers” (MCC 5811), “Eating Places, Restaurants” (MCC
5812), “Bars, Cocktail Lounges, Discotheques, Nightclubs, and Taverns: Drinking Places (Alcoholic Beverages)” (MCC 5813), or “Fast Food Restaurants” (MCC 5814).The MCC is a four-digit code used by the payment
card industry to classify a merchant’s primary business. Some merchants may have multiple MCCs (even within the same retail location) and some merchants might be expected to be classied into one of the MCCs
identied above, but they may not be classied as such. This could affect whether purchases made from such merchants will qualify as Travel and Transit Purchases, Dining Purchases, or other Net Purchases and, as
a result, how many Points will be earned on such transactions. We do not assign MCCs to merchants and we are not responsible for conrming or monitoring the MCC assignments made by the payment card networks.
We reserve the right to determine, in our sole discretion, whether transactions qualify as Amtrak Purchases, Amtrak Food and Beverage Purchases, Travel and Transit Purchases, Dining Purchases, or Net Purchases,
and our determinations shall be nal.
POINTS: Points are not earned in the Credit Card Rewards Program until they appear on the Account billing statement. Points may be deducted for awards based on purchases that are subsequently subject to a refund,
credit, or dispute, which may result in negative Point reporting to the Amtrak Guest Rewards Program. We reserve the right to retroactively correct errors made in Point awards. Points will not be earned if the Account
cannot be used for new purchases or participation in the Credit Card Rewards Program has been suspended. Your enrollment in the Credit Card Rewards Program must not be suspended in order for Points to be reported
to the Amtrak Guest Rewards Program. If a credit card is reported lost or stolen, we will temporarily suspend our awarding of Points in the Credit Card Rewards Program until a new card is issued. At our sole discretion,
we may award additional bonus Points in connection with certain purchases and/or promotions. Additional details and additional terms and conditions will be provided with such offers and are in addition to the Credit Card
Rewards Program Terms and Conditions unless otherwise specied therein. We reserve the right to determine which Net Purchases are eligible for bonus Points.
REWARDS AND REDEMPTION: All terms and conditions pertaining to the Amtrak Guest Rewards Program will apply. Amtrak is solely responsible for redemption and for all other aspects of the Amtrak Guest Rewards
Program. Amtrak Guest Rewards Points will be redeemed as stated in the Amtrak Guest Rewards Program terms and conditions found at www.amtrak.com/guestrewards. Amtrak may impose additional conditions,
restrictions, and limitations on redemption and/or expiration of Amtrak Guest Rewards Points. We are not responsible for the Amtrak Guest Rewards Program or for Amtrak products, services, or decisions or its refusal
to redeem Amtrak Guest Rewards Points. We are not responsible for making Amtrak Guest Rewards Points available in a Amtrak Guest Rewards Membership Account, including any decision by Amtrak not to credit a
Amtrak Guest Rewards Membership Account based on Points we have reported.
We may change or terminate the Credit Card Rewards Program in our discretion at any time with or without prior notice to you except where required by law.