291 - -127338
Rewards Mastercard®
T-BW-291-2211
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 | 25.24% or 29.24% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. |
APR for Balance Transfers | 25.24% or 29.24% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. |
APR for Cash Advances | 29.49%. 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 |
BEST WESTERN REWARDS® MASTERCARD® CREDIT CARD REWARDS PROGRAM TERMS AND CONDITIONS SUMMARY Please read this Terms and Conditions Summary for important information about the Best Western Rewards® Mastercard® 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 Best Western® International Inc. (referred to as “Best Western”). 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 Best Western Rewards® Program (the “Best Western Rewards Program”) provided and administered by Best Western and through the Credit Card Rewards Program. BEST WESTERN REWARDS PROGRAM: Best Western Rewards Program points (“Best Western Rewards Points”) can be earned through the Best Western Rewards Program by establishing a valid Best Western Rewards Program account (“Best Western Account”). Best Western is solely responsible for the rules and administration of the Best Western Rewards Program, which is governed by separate terms and conditions found at www.bestwestern.com/rewards/benefits/terms.asp. Best Western Rewards Points are redeemable only through the Best Western Rewards Program. The Best Western Rewards Program may, at Best Western’s sole discretion, offer additional or promotional opportunities to earn a greater number of Best Western Rewards Points in connection with certain purchases or promotions. There may be a limit to the number of Best Western 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 Best Western. 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 Best Western Rewards Program monthly and are redeemable only as Best Western Rewards Points through the Best Western Rewards Program. Membership in the Best Western Rewards Program is required in order for Points earned in the Credit Card Rewards Program to be reported to the Best Western Rewards Program.You can enroll in the Best Western Rewards Program at www.bestwestern.com/rewards/benefits/terms.asp. Enrollment in the Credit Card Rewards Program for Best Western Rewards Program members will occur automatically when the Account is opened. The Best Western Rewards Program membership and Best Western Account will remain in force in accordance with the terms and conditions of the Best Western Rewards Program, even if an Account is not opened. If enrollment in the Best Western Rewards Program is terminated or cancelled for any reason, we may terminate enrollment in the Credit Card Rewards Program. |
EARN POINTS | Earn 3 Points for each $1.00 of Best Western Purchases posted to the Account |
Earn 2 Points for each $1.00 of Net Purchases posted to the Account that is not from a Best Western Purchase. | |
BONUS EARNINGS | In addition to the above, an additional 20,000 bonus Points can be earned during each Qualification Period if $5,000 or more in Net Purchases is posted to the Account within that Qualification Period. Please allow up to 8 weeks after the end of each applicable Qualification Period for the Points to be added to the Points 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 50,000 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. |
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 Best Western Rewards Program terms and conditions at www.bestwestern.com/rewards/benefits/terms.asp for information regarding expiration, redemption, forfeiture, and other limitations on Best Western 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 Best Western Rewards Point, which will be redeemable only through the Best Western Rewards Program. |
REDEMPTION REQUESTS | Points are redeemable only after they are reported to the Best Western Rewards Program. Please see the Best Western Rewards Program terms and conditions at www. bestwestern.com/rewards/benefits/terms.asp for information on Best Western Rewards Point redemption. |
Rewards Program and will end on the last day of the 12th billing cycle. Each subsequent Qualification Period will be the period of 12 consecutive billing cycles immediately following the prior Qualification Period.
We reserve the right to determine, in our sole discretion, whether transactions qualify as Best Western Purchases, or Net Purchases, and our determinations shall be final.
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.
Program. Points earned in the Credit Card Rewards Program will be reported each month to the Best Western Rewards Program. Best Western will make the corresponding number of Best Western Rewards Points available in your Best Western Account based on the number of Points reported from the Credit Card Rewards Program.
Rewards Program. Best Western Rewards Points will be redeemed as stated in the Best Western Rewards Program terms and conditions found at www.bestwestern.com/rewards/benefits/terms.asp. Best Western may impose additional conditions, restrictions, and limitations on redemption and/or expiration of Best Western Rewards Points. We are not responsible for the Best Western Rewards Program or for Best Western products, services, or decisions or its refusal to redeem Best Western Rewards Points. We are not responsible for making Best Western Rewards Points available in a Best Western Account, including any decision by Best Western not to credit a Best Western 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.
Each Best Western® branded hotel is independently owned and operated. Best Western marks are service marks or registered service marks of Best Western Hotels & Resorts. Any other marks are used under third-party license. Best Western Hotels & Resorts does not endorse any third-party product or service. ©2023 Best Western Hotels & Resorts. All rights reserved.
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.