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Verdict: The BucksBack Platinum Edition Visa Card from First National Bank of Omaha is a solid, if unremarkable, cash-back rewards program. You’ll receive cash back with every purchase that you make with this card. And if you shop online at the Internet-based mall associated with the card, you’ll receive even more cash back.
Overview: Depending on your credit, this card comes with a solid purchase interest rate. Be careful, though, when applying: If your credit isn’t strong, your interest rate can soar to nearly 20 percent. And if you’re late with a payment, or if you miss a payment, your penalty interest rate will hit nearly 30 percent.
How This Card Works: As you make purchases with your BucksBack Platinum Edition Visa, you’ll receive points. When you earn enough points to equal $25 in cash back, you can redeem your points for either a statement on your credit card account, a direct deposit in your bank savings or checking account statement or a paper check that is mailed to your residence.
Travel and Shopping Benefits: You’ll earn one cash-back point for every dollar that you charge with your BucksBack Platinum Edition card. If you shop online at the FirstShop Internet shopping portal, you’ll earn even more cash back, 15 percent.
Fees: The purchase interest rate attached to this card can be a solid one, if your three-digit credit score is strong. Consumers with good credit will earn a purchase interest rate as low as 13.99 percent. Others will have interest rates of either 16.99 percent or 19.99 percent, depending on their creditworthiness. The card comes withno annual fee. Its other fees are in line with industry standards. Cash advances, for example, cost either $15 or 5 percent of the advance amount, whichever figure is higher. Late-payment and returned-payment fees can both hit $35.
- No annual fee
- Solid rewards program
- Reasonable interest rates depending on credit scores
- Rewards program not flexible
- Penalty interest rate near 30 percent
- Depending on credit, purchase interest rate can near 20 percent