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First National Bank of Omaha Graphite American Express Card

Credit Cards » Credit Card Rewards Survey » First National Bank of Omaha Graphite American Express Card

Bankrate's 2013 Credit Card Cash-Back Rewards Survey included the First National Bank of Omaha Graphite American Express Card. With the First National Bank of Omaha Graphite American Express Card, rewards are redeemable in $25 increments in the form of a check, a credit applied to your account, or a deposit made to any checking or savings account at a U.S. financial institution of your choice.

First National Bank of Omaha Graphite American Express Card

Annual fee$99
Intro bonusNone
Reward formulaGet 3% cash back on qualifying airline purchases, 2% cash back on qualifying gas and grocery purchases, and 1% on all other qualifying purchases.
Cash-back ratio*1% (2% on gas and grocery, 3% on airlines)
Expiration period on rewardsCash-back rewards expire after the third anniversary of when they were awarded.
Intro purchase APR0%
Intro purchase APR length12 months
APR13.99%-19.99%
Notes:
  • Earn 3 percent cash back for each $1 in qualifying air travel transactions made with your credit card at any merchant whose merchant category code is classified with American Express as an airline or air carrier.
  • Earn 2 percent cash back for each $1 in qualifying gas and/or grocery transactions made at any merchant whose merchant category code is classified with American Express as a service station, automated fuel dispenser, grocery store, supermarket, dairy product store, bakery, or miscellaneous food stores (convenience stores and/or specialty markets), and excluding, without limitation, purchases made at warehouse clubs, superstores and discount stores. Earn 1 percent cash back for each $1 in all other qualifying credit card transactions except for qualifying air travel transactions or qualifying gas and/or grocery transactions.
  • Cash-back rewards are redeemable in $25 increments in the form of a check, a credit applied to your account, or a deposit made to any checking or savings account at a U.S. financial institution of your choice.
  • There is no annual reward program fee or limit to the amount of cash-back rewards that you can earn; provided, however, there may be a limit to the amount of bonus cash-back rewards that you can earn in connection with certain transactions and/or promotions.

*The cash-back ratio lists the rate or rate of returns offered on transactions.

Bankrate.com examined 54 cash-back cards from 21 of the largest issuers. The survey was conducted April 8-18, 2013. Rewards are subject to change. Check with the institution for the latest information.

 

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