302 - -126523
Small Business Mastercard®
5T-HA-SOCT-2208
Cards are issued by First National Bank of Omaha, which is referred to below as “we”, “us”, “our”, and “FNBO®”.
IMPORTANT RATE, FEE AND OTHER COST INFORMATION (SUMMARY OF CREDIT TERMS) | |
Interest Rates and Interest Charges | |
Annual Percentage Rate (APR) for Purchases | 0.00% introductory APR for the first 6 billing cycles. After that, your APR will be 17.74% to 26.74%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. |
APR for Balance Transfers | 0.00% introductory APR for the first 6 billing cycles. After that, your APR for new balance transfers will be 17.74% to 26.74%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. |
APR for Cash Advances | 28.74%. This APR will vary with the market based on the Prime Rate. |
How to Avoid Paying Interest on Purchases | Your due date is at least 20 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. |
Fees | |
Set-up and Maintenance Fees | |
| None |
| None |
Transaction Fees | |
| Either $10 or 5% of the amount of each transfer, whichever is greater |
| Either $15 or 5% of the amount of each cash advance, whichever is greater |
| Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater |
| 3% of each transaction in U.S. dollars |
Penalty Fees | |
| $35 if New Balance is less than $500 $39 if New Balance is equal to or greater than $500 |
| $39 |
| $35 |
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 May determination date.
1 We will begin charging interest on cash advances and balance transfers on the transaction date.
PRESCREEN & OPT-OUT NOTICE: This “prescreened” offer of credit is based on information in your credit report indicating that you meet certain criteria. This offer is not guaranteed if you do not meet our criteria. If you do not want to receive prescreened offers of credit from this and other companies, call the consumer reporting agencies toll-free, 1-888-567-8688; or write to any of the following consumer reporting agencies: Experian Credit Marketing, P.O. Box 919, Allen, TX 75013; Equifax Options, P.O. Box 740123, Atlanta, GA 30374-0123; TransUnion Opt Out Option, P.O. Box 505, Woodlyn, PA 19094-0505. |
Eligibility for card products depends on the information you provide and your credit history. Based on this information, we may find that you do not meet our previously established credit criteria and, at our discretion, you may not receive a card or you may receive a different card with a lower Credit Limit. At certain income and Credit Limit levels, income verification may be required. We will determine your Credit Limit and, if applicable, APRs based on this review.
Your account will generally have monthly billing cycles. However, your first billing cycle may be more or less than one month.
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.
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 finance charges and does not have the benefit 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, finance 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.
your credit report.
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.
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.
each applicant may be liable for all amounts of credit extended under this account to each joint applicant.
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. You may request arbitration rules and forms through either or both of the following arbitration administrators: American Arbitration Association, 1-800-778-7879; and National Arbitration Forum, 1-800-474-2371. Please review the Cardmember Agreement and its arbitration provision carefully before you use or allow someone else to use an account.
IMPORTANT REWARDS PROGRAM INFORMATION |
HELLO ALICE MASTERCARD® REWARDS PROGRAM TERMS AND CONDITIONS SUMMARY Please read this Terms and Conditions Summary for important information about the Hello Alice Mastercard® Rewards Program (“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 Circular Board Inc., d/b/a Hello Alice (referred to as “Hello Alice”). 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 Hello Alice Rewards Program (the “Hello Alice Program”) provided and administered by Hello Alice and through the Credit Card Rewards Program. HELLO ALICE PROGRAM: Hello Alice Program points (“Hello Alice Points”) can be earned through the Hello Alice Program by establishing a valid Hello Alice Program account (“Hello Alice Account”). Hello Alice is solely responsible for the rules and administration of the Hello Alice Program, which is governed by separate terms and conditions found at helloalice.com/terms. Hello Alice Points are redeemable only through the Hello Alice Program. The Hello Alice Program may, at Hello Alice’s sole discretion, offer additional or promotional opportunities to earn a greater number of Hello Alice Points in connection with certain purchases or promotions. There may be a limit to the number of Hello Alice Points that can be earned in connection with such purchases or promotions, and certain exclusions, and limitations, on redemption may apply, as determined by Hello Alice. 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 Hello Alice Program monthly and are redeemable only as Hello Alice Points through the Hello Alice Program. Membership in the Hello Alice Program is required in order for Points earned in the Credit Card Rewards Program to be reported to the Hello Alice Program.You can enroll in the Hello Alice Program at helloalice.com/ terms. Enrollment in the Credit Card Rewards Program for Hello Alice Program members will occur automatically when the Account is opened. The Hello Alice Program membership and Hello Alice Account will remain in force in accordance with the terms and conditions of the Hello Alice Program, even if an Account is not opened. If enrollment in the Hello Alice Program is terminated or cancelled for any reason, we may terminate enrollment in the Credit Card Rewards Program. |
EARN POINTS | Earn 4 Points (equal to 4% back in Hello Alice Points) for each $1.00 of Wireless Telephone Service and Business Software Purchases posted to the Account. |
Earn 3 Points (equal to 3% back in Hello Alice Points) for each $1.00 of Office Supplies and Shipping Purchases posted to the Account. | |
Earn 2 Points (equal to 2% back in Hello Alice Points) for each $1.00 of Rideshare Purchases or Dining Purchases posted to the Account. | |
Earn 1.50 Points (equal to 1.50% back in Hello Alice Points) for each $1.00 of Net Purchases posted to the Account that is not from Wireless Telephone Service and Business Software Purchase, Office Supplies and Shipping Purchase, Rideshare Purchase, or Dining Purchase. | |
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 Hello Alice Program terms and conditions at helloalice.com/terms for information regarding expiration, redemption, forfeiture, and other limitations on Hello Alice 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 Hello Alice Point, which will be redeemable only through the Hello Alice Program. |
REDEMPTION REQUESTS | Points are redeemable only after they are reported to the Hello Alice Program. Please see the Hello Alice Program terms and conditions at helloalice.com/terms for information on Hello Alice Point redemption. |
We reserve the right to determine, in our sole discretion, whether transactions qualify as Wireless Telephone Service and Business Software Purchases, Office Supplies and Shipping Purchases, Rideshare Purchases, Dining Purchases, or Net Purchases, and our determinations shall be final.
credit, or dispute, which may result in negative Point reporting to the Hello Alice 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 Hello Alice 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 specified therein. We reserve the right to determine which Net Purchases are eligible for bonus Points.
redeem Points at the company level or to one or more designated individual Accounts. Certain limitations may apply. If you need assistance designating Point awards, please contact Commercial Card Client Servicing at 1-800-652-5741. If this section conflicts with any other section of these Terms and Conditions, then this section shall control with respect to Business Accounts.
Points will be redeemed as stated in the Hello Alice Program terms and conditions found at helloalice.com/terms. Hello Alice may impose additional conditions, restrictions, and limitations on redemption and/or expiration of Hello Alice Points. We are not responsible for the Hello Alice Program or for Hello Alice products, services, or decisions or its refusal to redeem Hello Alice Points. We are not responsible for making Hello Alice Points available in a Hello Alice Account, including any decision by Hello Alice not to credit a Hello Alice 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. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.