A Platinum Visa credit card is not currently offered by the First National Bank of Texas, so this will be a review of the First National Bank of Omaha’s Platinum Visa credit card. There are many great benefits to the Omaha credit card including a special no interest introductory rate. You can also look at other options offered by the First National Bank of Texas like their Visa Business Gold credit card.
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Terms of the First National Bank Platinum Visa Credit Card
You will not be charged any interest for purchases or balance transfers for the first year after you open your account. After this no interest period expires, the cardholder’s permanent interest rate will be determined based on their credit score. Depending on how high their score is, the cardholder can expect to pay 9.99, 14.99, or 17.99%.
There is no zero interest period for cash advances. This interest rate will always be 25.24%. You should also be aware of the penalty interest rate for this card. If your payment is returned, is late, or you go over the credit limit; your interest rate will automatically be raised to 29.99%. With this card, once a cardholder’s interest rate has been increased, it will most likely be permanent.
Fees with the First National Bank Platinum Visa Credit Card
There is no annual or monthly fee for this credit card. If the cardholder needs an additional or replacement card, they will have to pay a $10 fee. During the no interest period, the cardholder will have to pay a 3% transaction fee for balance transfers. After the introductory period expires, this fee will increase to 5% with a $10 minimum charge.
The fee for credit card cash advances is 5% with a $15 minimum and foreign transactions will only be charged 3% with no minimum.
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