First National Bank of Omaha (FNBO) review: Disappointing transparency and practices from fnbo amtrak rewards

I’ve been a cardholder with FNBO’s Amtrak Guest Rewards credit card, and unfortunately, the experience has been far from smooth. When I requested a credit limit increase, FNBO failed to disclose any reason for the denial—despite initiating hard inquiries across all major credit bureaus within seconds. That kind of aggressive credit hit, without explanation, is excessive and unnecessary.

To make matters worse, the annual fee simply appears on your statement with no prior notice. There’s no heads-up, no courtesy reminder—just a charge that leaves you no time to cancel or reconsider. Nearly every other major card issuer offers soft pulls for credit limit reviews and sends advance alerts before renewal fees hit. FNBO’s approach feels outdated and inconsiderate of the customer experience.

If you value transparency, fair credit practices, and basic communication, I’d recommend looking elsewhere. This card may offer travel perks, but the backend policies are a frustrating ride.