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Icelandair Premium Mastercard®

First National Bank Of Omaha

Top-25 issuerNationalVariable · PrimeCredit score 619 or lessCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
24.74–25.24%
Annual fee
$39
0% intro
None
0% transfer
None
Foreign fee
None
Grace period
21 days

Purchase APR by credit tier

Median rate the issuer reported for each tier

The purchase rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered24.74%
Median25.24%
Highest offered25.24%

Cash advance APR

The cash advance rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered28.24%
Median28.74%
Highest offered28.74%

Every fee on this card

Annual fee$39
Balance transfer feegreater of 5% or $10
Cash advance feegreater of 5% or $5
Foreign transaction feeNone
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: Late Fee cannot exceed the minimum payment due.

Rewards, benefits and features

Rewards
  • Other rewards
Services
  • Access to Free Credit Scores
  • Other
Features
  • Contactless Payments
  • Chip card
  • Fee-free foreign transactions
  • Mobile wallet provisioning (for example, Apple Pay)
  • Other

Issuer note: Saga Club Program

Who can get this card

AvailabilityNational
Membership requirementsYes
RequirementOther. Please Describe:
Balance transfer

This card does not offer a balance transfer rate.

Cost to carry a balance
Interest for a year at 25.24%$757.20
Annual / periodic fees$39
Total yearly cost$796.20

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.

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