Universal Rewards Visa Signature® Card
The Universal Rewards Visa Signature® Card is a Visa card from First National Bank of Omaha (FNBO / First Bankcard) with an annual fee of $0. Here is what we hold on it, and what we do not.
Checked against a published document: annual fee (Sep 2026), foreign transaction fee (Dec 2025), purchase APR (Dec 2025), earn rates (Oct 2026), welcome offer (Sep 2026). Not yet checked with First National Bank of Omaha (FNBO / First Bankcard): credit requirement. First National Bank of Omaha (FNBO / First Bankcard)’s own page is authoritative — confirm anything you rely on there before you apply.
The receipt
Every cost line we hold for the Universal Rewards Visa Signature® Card, exactly as recorded.
- Annual fee
- $0Checked universalrewardsvisa.com
- Supplementary card
- Not confirmed
- Foreign transaction
- 3%Checked files.consumerfinance.gov
- Purchase APR
- 21.49%–28.99%Checked files.consumerfinance.gov
- Income requirement
- Not confirmed
- Network
- Visa
- Credit needed
- NoneNot yet checked with First National Bank of Omaha (FNBO / First Bankcard)
The welcome offer
Earn $150 as a Statement Credit** when you spend $250 within the first three billing cycles after your Universal Rewards Visa Signature® Card account is open.
Checked universalrewardsvisa.comWhat it earns
Published category multipliers for the Universal Rewards Visa Signature® Card.
| Category | Earn rate | Cap |
|---|---|---|
| qualifying Universal Purchases | 2x | No cap on file |
| Other | 1x | No cap on file |
Perks & benefits
Card benefits
- Discount at select Universal Orlando Resort, Universal Studios Hollywood, and Universal Horror Unleashed food, beverage, and merchandise locations
- Lounge access for cardholder and up to 3 guests
Ready to apply for the Universal Rewards Visa Signature® Card?
You'll finish the application on First National Bank of Omaha (FNBO / First Bankcard)'s own site. Terms can change without notice, so check the fee and offer there before you commit.