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New First National Bank of Omaha AGR Card Discussion [Sept 2022]

Old Sep 13, 2022, 10:39 am
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Last edit by: paytonc
Account ownership transfers from BoA to FNBO on 10/21/2022, new cards go into effect on 10/23/2022

Differences between Preferred cards

Issuing bank
Bank of America -> FNB Omaha

Annual fee
$79 -> $99

Amtrak spend earnings
3/$1 -> unchanged

Travel spend earnings
2/$1 (category list) -> Unchanged
added categories include limo/taxis, rideshare, local transit agencies, road tolls/parking, and timeshares

Dining spend earnings
1/$1 -> 2/$1
includes bars, fast food

Everyday spend earnings
1/$1 -> unchanged

TQP earnings
1000 TQPs/$5000, limit 4000/year -> same earnings, no limit?

Amtrak onboard dining rebate
20% -> unchanged

AGR redemption point rebate
5% -> unchanged

Annual perks
Companion pass + 2 one-way upgrade certificates -> Adds lounge pass, now 1 round-trip upgrade certificate

MasterCard tier
World -> unchanged

Foreign transaction fee
None -> Not mentioned in T&C


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New First National Bank of Omaha AGR Card Discussion [Sept 2022]

Old Sep 19, 2023, 8:42 am
  #151  
 
Join Date: Mar 2017
Posts: 551
Does anyone here have any experience with the options for downgrading or canceling the Amtrak Preferred card(s)? I churned them during the elevated SUB earlier this year. I plan to keep one of them, but the others will need to be PC'd or canceled after a year. I have not found DPs on how this works with FNBO. Do they handle it like most other banks where you wait until the 2nd year AF posts and then cancel? Do you need to cancel before the AF hits, more like Capital One? I would also consider PC'ing to the free version, but they would be useless and I'd rather cancel. I have also seen anecdotal evidence that FNBO does not do PC's.

Is there any experience here with this?
g289t is offline  
Old Sep 21, 2023, 1:37 am
  #152  
 
Join Date: Feb 2003
Posts: 8,103
Originally Posted by g289t
Does anyone here have any experience with the options for downgrading or canceling the Amtrak Preferred card(s)?
There are several data points, including one from 12/30/22 (post #99), consistently reporting that FNBO doesnt do product changes. A thread search on downgrade will turn them up.
g289t likes this.
beltway is offline  
Old Sep 22, 2023, 12:25 am
  #153  
 
Join Date: Mar 2017
Posts: 551
Originally Posted by beltway
There are several data points, including one from 12/30/22 (post #99), consistently reporting that FNBO doesnt do product changes. A thread search on downgrade will turn them up.
Thank you! Yes it seems that downgrades are not an option.

I guess I'd prefer to cancel anyway, but I see absolutely no DPs about how FNBO handles cancellations for cards with AFs. Do I cancel after the AF posts, like with most cards? Or do I cancel before the AF posts, which exists with some cards but is much less common? This would probably be more FNBO related and not specifically the Amtrak card.
g289t is offline  
Old Sep 25, 2023, 1:07 am
  #154  
 
Join Date: Sep 2010
Location: EWR/PHL/JFK
Programs: A3*G, AS MVPG, UA, AA
Posts: 546
Why take the risk? Just cancel the month before it's expected to hit the card and be done with it.
lensovet is offline  
Old Sep 27, 2023, 6:59 am
  #155  
 
Join Date: Mar 2017
Posts: 551
Originally Posted by lensovet
Why take the risk? Just cancel the month before it's expected to hit the card and be done with it.
This is what I'll probably do if I do not find out anything else. I can find zero DPs about the proper way to close FNBO cards with an AF. Different banks handle it differently. If you close an Amex card in less than a year, the SUB will absolutely be clawed back, at least for MR cards, and you'll be on their black list (for any card). Many banks, including Amex, Chase, Citi, and Barclays will refund the AF if you cancel or downgrade within ~30 days of the AF posting, which is the safest way to do it.
g289t is offline  
Old Sep 27, 2023, 12:51 pm
  #156  
 
Join Date: Jul 2004
Location: PDX
Programs: DL DM, Amtrak peon, Colbert Lifetime Platinum
Posts: 4,532
Separate and belated topic but I wanted to add a data point: Another thing FNBO won't do is shift credit limit from an existing account to create approval for a new one. I have the no-AF card that migrated over from BofA, and then I applied for the Preferred card during the initial SUB promo last year. I was rejected due to FNBO being unwilling to extend further credit to me (the line on the existing card is quite high due to me shifting limits across a few BofA accounts pre-migration). When I called reconsideration, the rep said there was nothing I could do except cancel the existing card and try again later. So, I'm locked out of any new Amtrak cards.
GoAmtrak is offline  
Old Sep 27, 2023, 8:37 pm
  #157  
 
Join Date: Feb 2003
Posts: 8,103
Originally Posted by GoAmtrak
Separate and belated topic but I wanted to add a data point: Another thing FNBO won't do is shift credit limit from an existing account to create approval for a new one. I have the no-AF card that migrated over from BofA, and then I applied for the Preferred card during the initial SUB promo last year. I was rejected due to FNBO being unwilling to extend further credit to me (the line on the existing card is quite high due to me shifting limits across a few BofA accounts pre-migration). When I called reconsideration, the rep said there was nothing I could do except cancel the existing card and try again later. So, I'm locked out of any new Amtrak cards.
What about simply lowering the CL on the existing card? If you dont need all that credit and its what FNBO is hung up on, you have nothing to lose by unilaterally shedding the excess and then calling recon again.
beltway is offline  
Old Sep 27, 2023, 9:26 pm
  #158  
 
Join Date: Jul 2004
Location: PDX
Programs: DL DM, Amtrak peon, Colbert Lifetime Platinum
Posts: 4,532
Thanks, good suggestion if a good SUB becomes available again (this was last year). But I could
imagine FNBO recon not being willing or able to give an exact number that would ensure approval.
GoAmtrak is offline  
Old Sep 28, 2023, 12:14 am
  #159  
 
Join Date: Sep 2010
Location: EWR/PHL/JFK
Programs: A3*G, AS MVPG, UA, AA
Posts: 546
could just cut the limit in half right now to be ready for next time.
lensovet is offline  
Old Oct 21, 2023, 7:22 am
  #160  
 
Join Date: Dec 2003
Location: Washington, DC
Programs: Hyatt Globalist, AA Executive Platinum
Posts: 1,921
Originally Posted by murphy
Can you get the rebate using Apple Pay in the cafe? I always forget to grab the card before a train trip.
Finally got a chance to try this. Using Apple Pay gets the same points and rebate as the physical card.
murphy is offline  
Old Oct 29, 2023, 11:47 am
  #161  
 
Join Date: Jul 2011
Location: PHL
Programs: AA Platinum, Hilton HHonors Diamond, Hyatt Globalist, Marriott Platinum Elite
Posts: 39
For new FNBO sign-ups, how quickly do the companion coupons appear in your Amtrak Guest Rewards account?
number41 is offline  
Old Oct 30, 2023, 2:08 pm
  #162  
 
Join Date: Oct 2012
Location: SEA
Programs: Alaska MVP Gold
Posts: 535
Originally Posted by number41
For new FNBO sign-ups, how quickly do the companion coupons appear in your Amtrak Guest Rewards account?
Looking at my records, mine posted 4 days after approval.
mpeterson78 is offline  
Old Oct 30, 2023, 6:01 pm
  #163  
Moderator, Amtrak & Spirit Airlines
 
Join Date: Jan 2011
Location: EWR :rolleyes:
Programs: AC 50K, AS MVP, AA Plat Pro, DL Plat, UA Silver, IHG Spire, Marriott Titanium, Hertz PC
Posts: 9,444
Also, worth noting the 30k Bonus is back.
Long Train Runnin is offline  

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