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Consumer Credit Cards

Find the perfect card for the way you use credit. 

Our credit cards offer benefits and features to meet a variety of financial needs. Take a look at what each card has to offer and decide which one is right for you. And rest assured, each credit card also offers benefits designed to make life just a little easier, like Purchase Protection, Extended Warranty, Car Rental Discounts and more1

Complete RewardsSM Visa® Card -  Earn rewards on your purchases 

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  • Earn 1% back on purchases²: Redeem for cash back, gift cards, travel or merchandise.
  • Bigger rewards: choose to redeem your rewards into your checking or savings account for a higher value of 1.5% back.²
  • Rewards earned never expire.²
  • Earn enough rewards to redeem for a $25 statement credit when you make a purchase in the first 3 billing cycles.²
  • 0% introductory APR¹ for the first 12 billing cycles on purchases. After that, a variable APR based on the Prime Rate between 16.49% and 23.49% APR depending on your creditworthiness.
  • No annual fee¹
  • Summary of Credit Terms

Platinum Edition® Visa® Card - Get a great rate 

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  • 0% introductory APR¹ for the first 12 billing cycles on balance transfers. After that, a variable APR based on the Prime Rate between 10.49% and 18.49% APR depending on your creditworthiness.
  • $25 statement credit when you make a purchase within the first 3 billing cycles.³
  • No annual fee¹
  • An introductory balance transfer fee of 3% for the first 12 billing cycles applies to this offer (minimum $10). After that, a balance transfer fee of 5% applies to each balance transfer that you make (minimum $10).
  • Summary of Credit Terms

Secured Visa® Card - Establish or improve your credit 

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  • Request your own credit limit by providing a single deposit between $300 and $5,000 (multiples of $50) when you apply, subject to credit approval.
  • Enjoy the rewards of established or improved credit. You may be able to get your deposit back automatically in as little as 11 months when you maintain a good payment history with us, subject to credit approval.
  • Plus, qualify for a credit limit increase without an additional deposit in as little as 7 months when you use your card and make regular, on-time bill payments, subject to credit approval.
  • Variable 20.49% APR¹ on purchases and balance transfers based on the Prime Rate.
  • Low $19 Annual Fee¹
  • Summary of Credit Terms
  • Deposit Account Disclosure 

All cards offer you: 

  • Free access to your FICO® Credit Score, anytime, anywhere
  • Online and mobile account access 
  • Fraud protection, we monitor your account and alert you of any suspicious activity

Online account access provides the quickest and easiest way to:


  • Activate your credit card
  • Make payments
  • Transfer balances
  • Request credit limit increases 
  • View statements 
  • And much more 

Simply access your account by clicking on the link below. 

Access Your Account


Please see the Summary of Credit Terms provided at time of application for important information on rates, fees, costs, conditions and limitations.

You must pay your entire statement balance (including all promotional purchase and balance transfer balances) by the due date each month to avoid being charged interest on new purchases from the date those purchases are made, unless your new purchases are subject to a 0% interest rate.

1 For additional information about Annual Percentage Rates (APRs), fees and other costs, please see the Summary of Credit Terms for the product listed above.
2 See the Rewards Terms and Conditions in the Summary of Credit Terms, provided at time of application, for details. Your % back rewards are earned as points.
3 You will earn a $25 statement credit after the first purchase is posted to the Account within the first 3 billing cycles after the Account is opened. Please allow 6-8 weeks after you qualify for the statement credit to be applied to your credit card account.

Cards are issued by First Bankcard®, a division of First National Bank of Omaha, pursuant to a license from Visa U.S.A. Inc. VISA and VISA SIGNATURE are registered trademarks of Visa International Service Association and used under license. 

FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. Please note, new cardmembers will generally see their FICO® Bankcard Score 8, the version of FICO® Credit Score we use to manage your account, within 45 days of account opening.

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