In order to keep these rates, you must make payments when due, stay within your credit limit, (not applicable to American Express) and not have any payments dishonored for any reason. Please note that these introductory rates do not apply to cash advances. Except for the Secured Card, the Transaction Fee for Balance Transfers is an introductory 3% with a minimum of $10 for the first 12 billing cycles after your account is open. After that, a Balance Transfer Fee of 5% with a minimum of $10, applies to each balance transfer you make. For the Secured Card, a balance transfer fee of 5% with a minimum of $10, applies to each balance transfer you make. We reserve the right to change the account terms should your credit profile change or for other reasons described in the Summary of Credit Terms. All changes in terms will be subject to the requirements of applicable law. Payments on your account may be applied in the order we select, subject to applicable law. Applies to new accounts only.
* For additional information about Annual Percentage Rates (APRs), fees and other costs, see the Summary of Credit Terms.
† See the Rewards Terms and Conditions in the Summary of Credit Terms for details.
Δ Please note that new cardholders will generally see their FICO® Score about 2 to 3 months after opening an account.
** Subject to credit approval.
Cards are issued by First Bankcard®, a division of First National Bank of Omaha. VISA and VISA SIGNATURE are registered trademarks of Visa International Service Association and used under license. American Express is a federally registered service mark of American Express, used by First Bankcard, a division of First National Bank of Omaha, pursuant to a license from American Express.
FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.