First National Bank of Omaha (FNBO)
Earn 4% on Universal purchases with the Plus card. Choose between $0 and $99 annual fee. Exclusive park perks for Universal fans. Limited redemption options.
The Universal Rewards Credit Card, issued by First National Bank of Omaha (FNBO), offers two versions: one with a $99 annual fee and another with no annual fee. The Plus version gives you 4% back in rewards for Universal purchases, 2% on travel, gas, and dining, and 1% elsewhere. The standard card offers 2% back at Universal and 1% everywhere else. The interest rate and credit limit are subject to approval and may vary by applicant.
How to Apply
- Visit the official application page for the Universal Rewards Credit Card.
- Select between the Plus ($99 annual fee) or Standard (no annual fee) card.
- Fill out your personal and financial information on the secure application form.
- Review terms and submit your application for approval.
Highlights: Key Pros
Cardholders get access to park-specific perks such as discounts on Universal merchandise, food, and beverage purchases. The Plus card offers a complimentary annual park pass with enough card spend.
Fans can also enjoy a unique, themed card design, which adds a fun touch for frequent visitors. Additionally, the easy-to-attain sign-up bonuses are attractive for first-time applicants.
Considerations: Key Cons
Redemption is cumbersome, involving physical prepaid cards that take time to arrive and must be used in specific locations. Points are not as flexible as cash-back rewards.
Reward rates are uninspiring compared to other no-fee cards, and there are significant limitations for those wanting more versatile redemption.
Verdict: Is It Worth It?
The Universal Rewards Credit Card may appeal to die-hard Universal fans who visit frequently and value exclusive on-site perks. However, for most consumers, there are more flexible and rewarding options available.