Cards are issued by First Bankcard®, a division of First National Bank of Omaha, which is referred to below as "we", "us", "our", and "First Bankcard".
IMPORTANT RATE, FEE AND OTHER COST INFORMATION
(Summary of Credit Terms)
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 0.00% introductory APR for the first 6 billing cycles. After that, your APR will be 17.74%. This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers 0.00% introductory APR for the first 6 billing cycles. After that, your APR will be 17.74%. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances
26.99%. This APR will vary with the market based on the Prime Rate.
How to Avoid Paying Interest on Purchases Your due date is at least 20 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.1
Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75.
 
Fees
Set-up and Maintenance Fees
  • Annual Fee
  • Monthly Fee

  • None
  • None
Transaction Fees
  • Balance Transfer

  • Cash Advance
  • Cash Equivalent
  • Foreign Transaction

  • Introductory fee of either $10 or 4% of the amount of each transfer, whichever
    is greater, for balance transfers made in the first 6 billing cycles.
    After that, either $10 or 5% of the amount of each transfer, whichever is greater
  • Either $15 or 5% of the amount of each cash advance, whichever is greater
  • Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater
  • 3% of each transaction in U.S. dollars.
Penalty Fees
  • Late Payment
  •  
  • Over-the-Credit-Limit
  • Returned Payment (Payment Dishonored)

  • $35 if New Balance is less than $500
  • $39 if New Balance is equal to or greater than $500
  • $39
  • $35

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)".

Index And When It Is Determined: The Index used to determine your variable APRs is the highest U.S. Prime Rate as published in the "Money Rates" section of The Wall Street Journal during the 90 days immediately preceding the last day of each calendar month (the determination date). The above APRs are based on an Index (Prime Rate) of 5.00% as of the 06/29/2018 determination date. If the Prime Rate is higher or lower on a later determination date, the above APRs may increase or decrease accordingly.

When you become a cardmember, the Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the May determination date.

APR for Purchases and Balance Transfers: To determine the APR for purchases and balance transfers, we add a margin of 12.74% to the Index (Prime Rate).

APR for Cash Advances: To determine the APR for cash advances, we add a margin of 21.99% to the Index (Prime Rate).

How We Will Calculate Your Minimum Payment: If your New Balance is less than $35, the minimum payment will be equal to your New Balance. If your New Balance is $35 or greater, the minimum payment will be the greater of (a) 2% of the New Balance or $35, whichever larger; or (b) the current cycle fees and finance charges plus 1% of the New Balance (excluding current cycle fees and finance charges). Your minimum payment will also include any amount (i) past due and (ii) necessary to reduce your balance to your credit limit. Calculations will exclude disputed amounts.

1 We will begin charging interest on cash advances and balance transfers on the transaction date.

Your account will generally have monthly billing cycles. However, your first billing cycle may be more or less than one month.

IMPORTANT NOTICE REGARDING CHANGES IN TERMS. We may change the APRs, rates, fees, costs, and other terms of your account subject to, and as allowed by, applicable law.

Payments on your account will be generally applied as follows: (a) the minimum payment amount will be applied to balances with the lowest APRs before balances with higher APRs; and (b) any amount you pay in excess of the minimum payment will be applied to balances with the highest APRs before balances with lower APRs.

BALANCE TRANSFERS: You authorize us to make each balance transfer you request. Each company you request us to pay and each balance transfer request may be treated as a separate balance transfer transaction. Each balance transfer is subject to our approval and we are not liable if we do not make any balance transfer you request. We reserve the right to make balance transfers in the order we select and to limit the amount of the balance transfers that we make (this amount may be less than your total credit limit). If you ask for a balance transfer and we do not approve the full amount, we may either pay only part of the amount you asked for or decline your request. You may not transfer balances from other accounts you have with us or our related companies. In addition, we may not process a balance transfer request if it is incomplete, illegible or written to cash. Each balance transfer is subject to applicable fees and finance charges and does not have the benefit of an interest-free (grace) period.

Please consider the following when asking for a balance transfer: (a) To protect your rights, you should not transfer any amount that you dispute, (b) you should continue to make all payments due on the other accounts until you receive notice from them that they have been paid in full, (c) you are liable for any late payments, finance charges or disputed amounts on your other accounts, and (d) if you want your other accounts closed following a balance transfer, you are responsible for doing so.

CREDIT REPORTS: By applying for this account, you agree that First Bankcard®, a division of First National Bank of Omaha may obtain credit reports for purposes of processing your application and for later purposes related to your account such as reviewing, updating and renewing it, increasing the credit line and collecting. If you request, you will be informed of whether or not a credit report was requested and of the name and address of the consumer reporting agency that furnished the report. You also authorize First Bankcard®, a division of First National Bank of Omaha to verify your employment, income and other relevant information.

NOTICE TO CARDMEMBERS AND AUTHORIZED USERS: We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you:  When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

Married applicants may apply for separate accounts in their own names.

OHIO RESIDENTS: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

NOTICE TO MARRIED WISCONSIN APPLICANTS: No provision of any marital property agreement, unilateral statement or court decree adversely affects our interests and/or rights unless, prior to the time the credit is granted or an open-end credit plan is entered into, we are furnished with a copy of the agreement, statement, or decree, or have actual knowledge of the adverse provision. Married Wisconsin residents applying for credit separately must furnish name and address of their spouse to First Bankcard®, a division of First National Bank of Omaha at P.O. Box 3437, Omaha, NE 68172-9981.

CALIFORNIA RESIDENTS: The applicant, if married, may apply for a separate account. After credit approval, each applicant shall have the right to use this account to the extent of any credit limit set by the creditor and each applicant may be liable for all amounts of credit extended under this account to each joint applicant.

NEW YORK RESIDENTS may contact the New York State Department of Financial Services by telephone or visit its website for free information on comparative credit card rates, fees and grace periods. New York State Department of Financial Services: 1-800-342-3736 and "www.dfs.ny.gov".

ARBITRATION NOTICE: You understand that any Cardmember Agreement you receive will contain an arbitration provision that may substantially limit your rights in the event of a dispute, including your right to litigate in court or have a jury trial, discovery and appeal rights, and the right to participate in court or in arbitration as a representative or member of a class action. You may request arbitration rules and forms through either or both of the following arbitration administrators: American Arbitration Association, 1-800-778-7879; and National Arbitration Forum, 1-800-474-2371. Please review the Cardmember Agreement and its arbitration provision carefully before you use or allow someone else to use an account.

IMPORTANT REWARDS PROGRAM INFORMATION

FCA BUSINESS REWARDS PROGRAM TERMS AND CONDITIONS SUMMARY

Please read this Terms and Conditions Summary for important information about the FCA Business Rewards Program (the "Program"). First Bankcard®, a division of First National Bank of Omaha, is referred to below as "we," "us," "our" and "First Bankcard". First Bankcard is the issuer of the credit card account(s) ("Account") and is the sponsor of the Program. FCA US LLC ("FCA") means Chrysler, Dodge, Jeep®, Ram, and/or FIAT® dealerships that have completed all requirements necessary to participate in the Program. Complete Program Terms and Conditions will be provided to you when you become an approved Cardmember.

EARN POINTS

Earn 4 points (equal to 4% back) for each $1.00 of FCA Purchases posted to the Account.

Earn 1 point (equal to 1% back) for each $1.00 of Net Purchases posted to the Account that is not from a FCA Purchase.

BONUS EARNINGS

In addition to the above, you will earn 10,000 bonus points after the first $100 in FCA Purchases are posted to the Account within the first 3 complete, consecutive Billing Cycles after the Account is opened and while the Account is enrolled in the Program. Please allow 6-8 weeks after bonus points are earned for these bonus points to be added to your point balance. "Billing Cycle" is the interval between the days or dates of your regular periodic statements whether or not you receive a periodic statement.

ANNUAL REWARDS PROGRAM FEEThere is no Annual Rewards Program Fee; however, please review the "Fees" Section in this Summary of Credit Terms for information on possible annual or monthly Set-up and Maintenance fees associated with the Account.
LIMIT ON POINTS EARNEDThere is no limit on the number of points that can be earned, but if we offer bonus points, we may limit the number of bonus points awarded for certain purchases and/or promotions.
POINT EXPIRATIONPoints are redeemed on a first-in, first-out basis and points will expire on or after the third anniversary of when they were awarded.
POINT FORFEITUREIf you fail to pay the Account on time or otherwise fail to follow the terms of your Cardmember Agreement, you will forfeit accumulated points. In addition, closing the Account (by you or by us) will result in the termination of your enrollment in the Program and any unused, accumulated points will be forfeited.
POINT REDEMPTIONYou can redeem points for (collectively, the "Rewards"):
  • Parts and services (including Mopar parts and accessories) only at participating FCA dealerships; to purchase or lease a new or used Chrysler, Jeep, Dodge, Ram or FIAT vehicle only at participating FCA dealerships.
All redemptions must be made in person with the assistance of a participating FCA dealership service manager or sales representative. A maximum of $10,000 in redemptions can be made daily. Points cannot be redeemed to pay Sales Tax applicable to the redemptions made at participating FCA dealerships. A listing of all available Rewards is set forth on the FCA Business Rewards Website, or you can obtain this information by calling the Rewards Service Center.
REDEMPTION REQUESTS24/7 online access or toll-free customer service during hours of operation; additional information about redemption will be provided once you become a cardmember.

NET PURCHASES: "Net Purchases" are authorized, new purchases posted to the Account on or after your Enrollment Date, excluding refunds, credits (for returned merchandise or otherwise), and disputed billing items. Points may be deducted for awards based on purchases that are subsequently subject to a refund, credit or dispute. Net Purchases do not include: (a) annual fees, finance charges and other fees or charges posted by us to the Account; (b) cash advances (including but not limited to cash received over the amount of Purchases charged to the Account, purchases of money orders or other cash equivalents) or special check transactions; (c) balance transfers; (d) charges for other products, services, or benefits that we provide (such as credit insurance premiums); or (e) other transactions that we determine not to be eligible. We are solely responsible for determining which transactions are eligible for point earnings and our determination is final.

"FCA Purchases" are Net Purchases made only at participating FCA dealerships or FCA websites.

We reserve the right to determine, in our sole discretion, whether any transaction qualifies as a FCA Purchase or Net Purchase, and our determinations shall be final.

POINTS: With regard to the points earned under the Program, point awards are not earned until they show on the Account statement. We reserve the right to retroactively correct errors made in point awards. At our sole discretion, we may award you additional bonus points in connection with certain purchases and/or promotions. Additional details and additional terms and conditions will be provided with such offers and are in addition to these Terms and Conditions unless otherwise specified therein. We reserve the right to determine which FCA Purchases, or Net Purchases are eligible for bonus points. There may be a limit to the number of bonus points that you can earn in connection with certain purchases and/or promotions.

Business card arrangements with multiple cardholder Accounts earn points at the individual Account level, but businesses may elect to set up the Accounts so that points can be awarded and redeemed at a certain, designated Account level.

REWARDS: Once you become a cardmember and if the Account is in good standing, you can use your points to obtain the Rewards as stated above. Point redemption may be subject to shipping, handling or other fees. Redemption requests are subject to point balance verification. Upon verification of the point balance, if you do not have enough points to redeem for a particular Reward, you may still obtain the Reward by redeeming at least 2,500 points toward a Reward obtained through a participating FCA dealership and then paying the balance owed for the Reward with a credit card. Complete details on Rewards and point redemption are available through our Rewards Service Center and Rewards website.

If the Account does not remain in good standing, you will not earn future points, cannot redeem points, and you will forfeit any accumulated points previously awarded. An Account is in good standing when no event has occurred that allows us to require immediate payment of your entire balance under the Cardmember Agreement, including, without limitation, failing to make the minimum payment when due, having a payment to us denied, providing us false or misleading information, and violating the Cardmember Agreement or any other agreement with us. Closing the Account (by you or by us) will result in the termination of your enrollment in the Program and any accumulated points will be forfeited. We may change or terminate the Program in our discretion at any time with or without prior notice to you.

Chrysler, Dodge, Jeep, Ram, and Mopar are registered trademarks of FCA US LLC. FIAT is a registered trademark of FCA Group Marketing S.p.A., used under license by FCA US LLC.

   


Copyright ©  First Bankcard, a division of First National Bank of Omaha.  All Rights Reserved.