306 - -126963
Guest Rewards® Mastercard®
T-AMT-306-2210
Cards are issued by First National Bank of Omaha, which is referred to below as “we”, “us”, “our”, and “FNBO®”.
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 benefits.
IMPORTANT RATE, FEE AND OTHER COST INFORMATION (SUMMARY OF CREDIT TERMS) | |
Interest Rates and Interest Charges | |
Annual Percentage Rate (APR) for Purchases | 26.74% when you open your account. This APR will vary with the market based on the Prime Rate. |
APR for Balance Transfers | 26.74% This APR will vary with the market based on the Prime Rate. |
APR for Cash Advances | 28.99%. 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 | |
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 |
| None |
Penalty Fees | |
| Up to $40 |
| Up to $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 last day the rate is published in The Wall Street Journal in May.
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 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.
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. 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 qualifies 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 (“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. |
EARN POINTS | Earn 2 Points for each $1.00 of Amtrak Purchases posted to the Account. |
Earn 2 Points for each $1.00 of 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 or Dining Purchase. | |
BONUS EARNINGS | In addition to the above, you will earn 12,000 bonus Points after the first $1,000 in Net Purchases are posted to the Account within the first 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 first 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 10% 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). |
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. |
items. Net Purchases do not include: (a) annual fees, finance 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 benefits 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 classified 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).“Dining Purchases” are Net Purchases made at any merchant, other than Amtrak, whose merchant category code (“MCC”) is classified 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 classified into one of the MCCs identified above, but they may not be classified as such. This could affect whether purchases made from such merchants will qualify as 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 confirming 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, Dining Purchases, or Net Purchases, and our determinations shall be final.
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.