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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 monitor your account 24/7, and if we suspect fraudulent activity on your credit card, we notify you immediately.

FICO® Credit Score

View your FICO® Credit Score each month online for free. Knowing your FICO® Credit Score can help you maintain or even improve your financial health.

Digital Payments

Apple PayTM – Visa SRC – Samsung Pay; whatever your preference, pay with convenience.

Visa® Zero Liability4

Our 24/7 guarantee that you won't be held responsible for fraudulent charges made with your card or account information.

Auto Rental Insurance

Receive coverage, at no additional cost, for damage due to collision or theft up to the actual cash value of most rental vehicles.

Extended Warranty

Covers exactly what the original U.S. warranty covers up to a maximum of one additional year. If covered damage or breakage occurs, the item will be repaired or replaced.

Travel Accident Insurance

Receive coverage for common carrier accidental death or dismemberment, at no extra cost, when you charge your entire travel fare to your card.

Purchase Protection

Will replace, repair or reimburse you for eligible items of personal property up to $1,000 per claim for 90 days from the date of purchase due to covered reasons.

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 covers U.S. issued cards only and does not apply to PIN transactions not processed by Visa or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit

This card is issued by First Bankcard, a division of First National Bank of Omaha, pursuant to a license from Visa U.S.A. Inc.

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 9, the version of FICO® Credit Score we use to manage your account, within 45 days of account opening.