The First National Bank of Omaha is a business credit card from First National Bank of Omaha. Application typically pulls a hard report from Experian. The annual fee is No Annual Fee.. The ongoing APR is After that, a variable APR based on the Prime Rate between 19.49% and 27.49% APR. after a 0% introductory APR introductory rate for 12 months. Signup bonus: $200 cash bonus (20,000 points equivalent) when you spend $1,000 within the first 3 billing cycles after account is opened.. Rewards: Earn Unlimited 3x points per dollar spent on travel, dining and gas and 1 point per dollar you spend on everything else.. Typical credit limit: $300 - $5,000. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).