If you are searching for a credit card that gives you many cash back bonuses, you should check out the First National Bank of Omaha GraphiteSM American Express® Card. This credit card has a variety of benefits that include being both a cash back and a low introductory rate credit card.
Use the finder tool located on this page to compare online credit cards.
FNB GraphiteSM American Express® Card Terms
When looking for a credit card, it is important to understand and know the terms of the card. For the Graphite card, there is an introductory annual fee of $0. After the first year, the annual fee is $99.
The interest rate on the card varies according to your credit score:
- For the first 12 months there is a 0% introductory interest rate
- After the 12 months, the interest rate varies from 13.99% to 16.99% to 19.99%
- Same rates apply to balance transfers
The interest rate for cash advances varies based on the market, but currently it ranges around 25.24%. The penalty interest rate can be as high as 29.99% and is applied for late payments and returned payments. You have a grace period of 21 days after the billing cycle closes.
For more information about credit card terms, visit the Federal Reserve Board website.
FNB GraphiteSM American Express® Cash Back Bonus
You can get cash back from using the GraphiteSM American Express® Card a couple of ways. One way is to spend $1000 with your card during the first three months. This will give you $100 cash back.
You also receive a percentage of cash back credit card when you use the card for certain purchases:
- Airline purchases 3% cash back
- Groceries and gas 2% back
- Other qualifying purchases 1% cash back
Check the fine print of your card to find out which purchases are qualified for the cash back bonuses.
It is quick and easy to do a credit card comparison just by taking advantage of the credit card chaser tool on this page.
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