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ExtraEarnings® Visa® Credit Card

Because everyone deserves a little extra.

fnbodirect debit card
Extra Earnings Visa Card

ExtraEarnings® Visa® Credit Card

You must have a currently open FNBO Direct Online Savings Account or Checking Account in order to qualify for the FNBO Direct ExtraEarnings® Visa® Credit Card.

Account Summary

  • Earn 2 points (1 point and 1 bonus point) for every $1 in qualifying purchases for the first 12 billing cycles after your account is opened1
  • Continue to earn 1 point for every $1 in qualifying purchases after the first 12 billing cycles1
  • Redeem your points by requesting a $25 deposit into your FNBO Direct Online Savings Account or Checking Account each time you accrue 2,500 points on your account1
  • No Annual Fee2
Please see the Summary of Credit Terms for important information on rates, fees, costs, conditions and limitations.



Account Features3

Fraud Protection

We continuously and proactively scan your transactions, flagging anything that seems out of place. If suspicious activity should arise, we’ll contact you to resolve the situation.

FICO® Score

View your FICO® Score each month online for free. Knowing your FICO® Score can help you maintain and better understand your financial health.

Online Services

Enjoy an easy and secure way to check your balance and monitor spending, set up Account Alerts and Autopay. 

Mobile App

Manage your account from your mobile phone - wherever you are. It's secure, simple and at your fingertips.

Zero Liability4

Automatically protects you 24/7 against unauthorized purchases made with your card or account information.

Roadside Dispatch®

Provides 24-hour access to roadside assistance like tire changing, jump starting or towing. The fees for this pay-per-use service are pre-negotiated and available exclusively to Visa cardmembers. 

Global Services

Provides expert assistance, whenever and wherever, for a replacement card or emergency cash.

Contactless Technology

Just look for the contactless symbol, tap your card on the terminal and go on your way. It's secure, simple and touch-free.

A credit card built with you in mind, but don't take our word for it.

Use our calculator to compare interest rates, consolidate debt, and learn how interest rates affect your balance.

Important Information:

See the Rewards Terms and Conditions located in the Summary of Credit Terms for details including earning, redemption, expiration and forefeiture.

For additional information about Annual Percentage Rates (APRs), fees and other costs, see the Summary of Credit Terms

Complete details, including restrictions, limitations and exclusions, will be available when you become a Cardmember.

Visa’s Zero Liability policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use.

This card is issued by First National Bank of Omaha, pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of Visa International Service Association and used under license.

FICO and "The score lenders use" are trademarks and/or registered trademarks of Fair Isaac Corporation in the United States and other countries. Please note, new cardmembers will generally see their FICO® Bankcard Score 9 (the version of FICO® Score we use to manage their account) within 45 days of account opening.