First Bankcard

First Bankcard is a leading U.S. card issuer in all aspects of the rewards credit card industry. The bank, a division of First National Bank of Omaha, partners with over 250 institutions, co-brand, and affinity partners across the country. Browse an impressive selection of First Bankcard hotel rewards credit cards from our partners below:

 

Advertiser Disclosure

  • Regular Purchase APR 20.49% to 24.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 20.49% to 24.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 26.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Good
  • Processing Network Mastercard
Best Benefits
  • Earn up to 2 free nights and get automatic Gold Elite status when you open your account
  • Earn up to 32,000 bonus points: Earn 16,000 bonus points after you make your first purchase, and 16,000 bonus points after your first stay at a Best Western
  • Earn 13 points per $1 spent on Best Western stays; earn 2 points per $1 spent everywhere else
  • 10% discount when cardholders select the Best Western Rewards Rate at bwrcarddiscount.com
Rates & Fees
  • Regular Purchase APR: 20.49% to 24.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 20.49% to 24.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 26.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: EIther $15 or 5% of the amount of each cash advance, whichever is greater
  • Annual Fee: None
  • Late Payment Penalty Fee: Up to $39
  • Return Payment Penalty Fee: Up to $35
  • Regular Purchase APR 18.24% to 24.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 18.24% to 24.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 26.74% variable based on the Prime Rate
  • Annual Fee $59
  • Credit Needed Good
  • Processing Network Mastercard
Best Benefits
  • Earn up to 4 free nights just by opening your account, as well as automatic Platinum Elite status
  • Earn 50,000 bonus points when you spend $1,000 in the first three billing cycles after account is opened
  • Earn an additional 20,000 bonus points when you spend at least $5,000 during each 12 billing cycle period
  • Earn 20 points per $1 spent on Best Western Stays, and 2 points per $1 spent everywhere else
Rates & Fees
  • Regular Purchase APR: 18.24% to 24.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 18.24% to 24.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 26.74% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $15 or 5% of the amount of each cash advance, whichever is greater
  • Annual Fee: $59
  • Late Payment Penalty Fee: Up to $39
  • Return Payment Penalty Fee: Up to $35
  • Regular Purchase APR 20.99% variable based on the Prime Rate
  • Balance Transfer APR 20.99% variable based on the Prime Rate
  • Cash Advance APR 20.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • Earn 10,000 points when you spend $1,000 in the first 3 billing cycles
  • 3x points and tier credits per $1 spent at M life Rewards Destinations
  • 2x points and tier credits per $1 spent on gas and supermarket purchases, 1x points and tier credits per $1 spent everywhere else
  • Automatic upgrade to Pearl Level status, priority hotel check-in at M life Resorts, and more
Rates & Fees
  • Regular Purchase APR: 20.99% variable based on the Prime Rate
  • Balance Transfer APR: 20.99% variable based on the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 20.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $15 or 5% of the amount of each cash advance, whichever is greater
  • Annual Fee: None
  • Late Payment Penalty Fee: Up to $39
  • Return Payment Penalty Fee: Up to $35
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Hotel Credit Cards from First Bankcard 

First Bankcard is a division of First National Bank of Omaha and is one of the largest issuers of credit cards for other financial institutions, including Union Bank of California, TCF Bank, Union Plus Bank, and others. They currently partner with over 250 different institutions and brands, including such names as Jeep, Chrysler, and more.

This card issuer currently offers three hotel rewards credit cards: two with Best Western and one with MGM Grand – all of which offer excellent points-earning rates, enticing introductory bonus points for new cardholders, and the opportunity to earn free nights or other rewards after meeting spending requirements each year.

What Credit Score Do I Need for a First Bankcard Hotel Card? 

First Bankcard offers a variety of credit card offerings to suit nearly every credit score, including secured cards for those that want to boost their credit score or establish a positive credit history for the first time. Rewards credit cards, however, typically necessitate applicants to have a higher credit score, so those planning on applying for a hotel card should ensure their score is at least in the mid-to-high 600’s.

What to Know Before Applying for a First Bankcard Credit Card 

First Bankcard, like other card issuers such as Chase, has unofficial rules regarding hard pulls and inquiries on an applicant’s credit report. While there is no hard-and-fast rule, having more than 6 hard inquiries with the past 12 months will likely result in an application requiring further investigation and information.

Other rules and tips to know before applying for a First Bankcard product:

  • Credit report inquiries are typically pulled from Experian
  • The presence of a bankruptcy (either Chapter 7 or Chapter 13) will not disqualify an applicant
  • Applying for multiple First Bankcard credit cards in one day may result in all hard pulls being merged into one single pull – though this isn’t always the case

What to Do if Your Application is Denied  

If your First Bankcard credit card application is denied, the best recourse of action is to call First Bankcard’s Reconsideration line.

  •  First Bankcard Reconsideration Line: 800-444-6220 (option 1)


Editorial Disclosure
— The opinions expressed on HotelCards’ reviews, blogs, and all other content on or relating to the website are solely those of the content’s author. They are not reflective of any card issuer or financial institution and have not been reviewed or approved by these entities unless otherwise noted. Further, HotelCards lists credit card offers that are updated daily with information believed to be accurate to the best of our knowledge.

Advertiser Disclosure: HotelCards is an independent credit card comparison platform. Many of the card offers that appear on this site are from companies from which HotelCards may receive compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). HotelCards does not include all card companies or all card offers available in the marketplace.

Advertiser Disclosure: HotelCards is an independent credit card comparison platform. Many of the card offers that appear on this site are from companies from which HotelCards may receive compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). HotelCards does not include all card companies or all card offers available in the marketplace.