Best FNBO Credit Cards (2026)
First National Bank of Omaha — issuer of the Amtrak Guest Rewards Mastercards.
Top Pick
Amtrak Guest Rewards Preferred Mastercard
Spend $1,000 in 3 months
More FNBO Cards
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Compare side by side →Frequently Asked Questions
What is the best FNBO credit card?
The Amtrak Guest Rewards Preferred Mastercard is currently the top-rated FNBO card, offering a $99/yr annual fee and a strong welcome offer for new cardholders.
Does FNBO have a credit card with no annual fee?
Yes — the Amtrak Guest Rewards Mastercard has no annual fee and earns 1x base rewards on purchases.
What credit score do you need for a FNBO card?
Most FNBO credit cards require good to excellent credit (typically 670+). Premium travel cards like the top-tier options generally require a score of 720 or higher for the best approval odds.
What rewards do FNBO credit cards earn?
FNBO credit cards earn points, miles, or cash back depending on the card. Category cards earn accelerated rates in your top spending areas, while flat-rate cards keep things simple.
Are FNBO credit card points worth it?
FNBO points and miles offer strong value, especially when redeemed for travel. Pairing multiple FNBO cards can maximize your earning across categories.
How do I apply for a FNBO credit card?
You can apply directly through https://www.fnbo.com or by clicking the "Apply Now" buttons above. Most applications receive an instant decision online.
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