First National Bank of Omaha · Visa

GreenSelect Credit Card

Balance Transfer Standard 0% Intro APR · 18 mo

$0 Annual Fee

15.24%–25.24% Variable Purchase APR

670+ Recommended FICO

Rewards

Category	Rate	Type	Cap
All Other Purchases The GreenSelect Credit Card does not earn any rewards or cash back on purchases; it is a no-rewards, intro APR card.	0x	Cash Back	No cap

Benefits & Protections

Benefit	Category	Value / Coverage
0% Intro APR on Balance Transfers Enjoy a 0% introductory APR on balance transfers for the first 18 billing cycles from account opening. A 5% balance transfer fee (minimum $10) applies. Balance transfers to other FNBO accounts are not permitted.	Financial	0% for 18 billing cycles
0% Intro APR on Purchases Enjoy a 0% introductory APR on purchases for the first 18 billing cycles from account opening. After the intro period, a variable APR of 15.24%–25.24% applies based on creditworthiness.	Financial	0% for 18 billing cycles
No Annual Fee The GreenSelect Credit Card has no annual fee to open or maintain the account.	Financial	$0 annual fee Up to $0
FNBO Online and Mobile Account Management Manage the account, view transactions, pay bills, set up Account Alerts, and enroll in Autopay through FNBO's online banking platform and mobile app.	Lifestyle	Complimentary
Mobile Wallet Compatibility The GreenSelect card is compatible with major mobile wallets including Apple Pay, Google Pay, and Samsung Pay for contactless tap-and-go payments at participating merchants.	Lifestyle	Complimentary
24/7 Fraud Monitoring and Alerts FNBO monitors the GreenSelect account around the clock and immediately notifies cardholders via text or email if suspicious activity is detected.	Security	Complimentary
Zero Fraud Liability Cardholders are not held responsible for unauthorized purchases made with their card, provided fraudulent activity is reported promptly to FNBO per Visa's Zero Liability Policy.	Security	$0 liability Up to $0
Roadside Dispatch Access to a 24/7 pay-per-use roadside assistance program through Visa providing towing, tire changing, jump start, lockout service, and fuel delivery. Service fees apply and are charged to the card.	Travel	Pay-per-use access
Visa Global Services Access to Visa's 24/7 global assistance service for emergency card replacement and emergency cash advances anywhere in the world.	Travel	Complimentary

Interest Rates

Intro Purchase APR for 18 months

Intro BT APR for 18 months

Purchase APR15.24%–25.24% Variable

Balance Transfer APR25.24%

Fees

Annual Fee $0 — No Annual Fee

Authorized User FeeFree

Balance Transfer Fee5% of the amount of each balance transfer, minimum $10

Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater

Late Payment FeeUp to $40

Returned Payment FeeUp to $29

Approval & Eligibility

670 Recommended minimum FICO · Range 670–850

300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional

Approval DifficultyModerate

Credit ProfileGood

Approval OddsGood

Decision TimeInstant

Pre-QualificationNot available

Student EligibleYes

Co-ApplicantNot allowed

Business EligibleNo

Issuer Rules & Restrictions

Shutdown Risk Triggers

High overall credit utilization across all cards, excessive cash advances, too many new account inquiries in a short period, suspected fraud or identity inconsistencies

Additional Issuer Rules

The GreenSelect Credit Card has no welcome bonus and no rewards program, so there are no bonus eligibility rules, once-per-lifetime restrictions, or spend-based bonus cliffs to navigate — the card's sole value is its 0% intro APR for 18 billing cycles on purchases and balance transfers. FNBO does not publish explicit application frequency rules, but community data on myFICO confirms the GreenSelect requires a hard pull with no soft pull prescreen option, and applicants should note that FNBO offer terms explicitly state the 18-billing-cycle intro APR is only available when applying directly through the advertised page. Geographic restrictions have fluctuated historically between FNBO's 8-state branch footprint and nationwide availability, so applicants should verify current eligibility in their state before applying.

Military & Hardship

MLA Compliant

Complies with the Military Lending Act (36% APR cap for active duty servicemembers).

SCRA Benefits

Interest rate capped at 6% on pre-service balances for active duty servicemembers under SCRA; relief applies for the duration of active duty service. FNBO accepts SCRA requests online, by phone, or by mail. Annual fee waived under MLA for eligible active duty servicemembers.

Hardship Program

Hardship program available.

First National Bank of Omaha

Annual Fee

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APR 15.24%–25.24% Variable

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