First National Bank of Omaha GraphiteSM American Express® Card

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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.

First National Bank of Omaha GraphiteSM American Express® 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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Disclaimer: This content is not provided or commissioned by American Express, Visa, MasterCard, Discover, or any other credit card company or issuer. The opinions expressed here are the author's alone, not those of any credit card company or issuer, and have not been reviewed, approved or otherwise endorsed by any credit card company or issuer. Credit Card Chaser may be compensated through various affiliate programs with advertisers. As always, Credit Card Chaser is an independent website commmitted to helping people research credit card offers and find the best credit card!

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