First National Bank of Omaha
Enjoy exclusive Universal Studios perks and discounts. Earn up to 4% back in rewards. Annual fees start at $0; rates and rewards designed for theme park fans.
The Universal Rewards Credit Card, issued by First National Bank of Omaha, targets fans of Universal Studios seeking exclusive perks. With two versions available, the card offers rewards of up to 4% on Universal-related purchases and an annual fee that starts at $0 for the basic version, rising to $99 for added benefits.
Interest rates and credit limits may vary by applicant and are set by the bank. Both cards offer exclusive discounts on park purchases, with reward points redeemable for theme park expenses. Cardholders must note that redemption is only in $25 increments, and the process involves requesting a prepaid card, which can be cumbersome.
How to Apply for the Universal Rewards Credit Card
- Visit the credit card application portal online.
- Complete the personal and financial details required.
- Review and accept the card’s terms and conditions.
- Submit your application for review.
- Await approval and, once accepted, activate your card to use benefits.
Main Advantages
The Universal Rewards Credit Card stands out for die-hard theme park fans who visit Universal frequently. You can enjoy perks like exclusive discounts on merchandise and dining.
Additionally, the higher-tier card provides annual park passes after meeting specific spending thresholds, and customized card designs let fans display their Universal pride.
Key Disadvantages
The most notable drawback is the restrictive and cumbersome rewards redemption process, which involves prepaid cards and delayed mailing times. Redemption is only granted in set increments, making it less flexible.
Moreover, both cards lack the competitive rewards structure found in many standard cash-back credit cards, making them less worthy for general use.
Our Verdict
The Universal Rewards Credit Card is appealing mainly for loyal Universal visitors looking to squeeze the most out of their park trips. However, for everyday spenders seeking greater flexibility and simpler rewards, general-purpose cash-back cards are likely a better fit.