Detected in the CFPB-filed cardholder agreements from First National Bank Of Omaha. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
Forced arbitration with no opt-out found — you likely can't take this issuer to court, and there's no way to reject it.
Forced arbitration
You give up your right to sue in court — disputes are pushed into private arbitration.
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“…Proceeding against us, you may not and will not join that proceeding or participate as a member of that class. Arbitration THIS AGREEMENT CONTAINS AN ARBITRATION PROVISION WHICH MAY BE ENFORCED BY THE PARTIES. PLEASE READ THE FOLLOWING Provision (this PARAGRAPHS CAREFULLY. provision ). WITH LIMITED EXCEPTIONS, THIS ARBI…”
You can't band together with other cardholders in a class action.
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“…es to your account terms. 6 What you will see on your statement. 16 How we will contact you about your account. 7 Making payments. 17 Arbitration and class action waiver. 8 Interest rates (APRs) and how we calculate them. 18 Other terms. 9 Interest charges. 19 Billing Rights. 10 Other fees. 20 Liability for unauthoriz…”
The intro rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered0%
Median0%
Highest offered0%
Balance transfer APR
Promotional window: 18 months · grace period retained on purchases
The transfer rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered0%
Median0%
Highest offered0%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered28.49%
Median28.99%
Highest offered28.99%
Every fee on this card
Annual feeNone
Balance transfer feegreater of 5% or $10
Cash advance feegreater of 5% or $5
Foreign transaction fee3%
Purchase transaction feeNone
Late fee$29
Repeat late fee (6 mo)$40
Over-limit feeNone
Minimum finance charge$1.75
Balance computationAverage daily balance including new purchases
Additional fees
Returned Payment (Payment Dishonored Fee)$35
Cash Equivalent Fee$5
Late fee policy: Up to $40 Late fee cannot exceed the minimum payment due. First time is $29, second time in 6 months it goes to $40. Late Fee cannot exceed the minimum payment due.
Rewards, benefits and features
Rewards
None reported
Services
Access to Free Credit Scores
Other
Features
Contactless Payments
Chip card
Mobile wallet provisioning (for example, Apple Pay)
Other
Who can get this card
AvailabilityRegional
StatesCO, IA, IL, KS, NE, SD, TX, WY
Membership requirementsOpen to the public
Balance transfer calculator
Stay put — 18 mo at 24%$900
Transfer fee (5%)$250
Promo interest at 0.00%$0
You save$650
Assumes you pay the balance down evenly across the 18-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 25.74% afterwards.
Cost to carry a balance
Interest for a year at 25.74%$772.20
Annual / periodic fees$0
Total yearly cost$772.20
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 21-day grace period avoids the interest entirely.
Cardholder agreements
4 documents filed by First National Bank Of Omaha in the 2026 Q1 archive.