What the FNBO BP Visa card is and who offers it

The FNBO BP Visa is a co-branded credit card issued by First National Bank of Omaha (FNBO) in partnership with BP, the gas station and fuel company. It is designed for people who buy gas regularly and want to earn rewards on those purchases. The card offers cash back or points on BP fuel purchases and other spending, depending on which version you hold.

FNBO is a regional bank based in Omaha, Nebraska, and has issued co-branded cards with various retailers for decades. The BP partnership means BP stations accept the card, and FNBO handles the credit account, billing, and rewards program behind the scenes.

Key Takeaways

  • The FNBO BP Visa earns rewards on BP fuel purchases and other everyday spending, with the exact rate depending on the card version you hold.
  • You explore through FNBO's website or at a BP station, and the card is issued by FNBO, not BP.
  • The card works at any merchant that accepts Visa, not just BP stations, though the best rewards are earned at BP.
  • Like any credit card, the FNBO BP Visa reports to credit bureaus and affects your credit score based on how you use it.
  • You can compare this card to other gas rewards cards from competitors like Shell, Chevron, or general cash-back cards before deciding.

How rewards work on the FNBO BP Visa

The card earns rewards at different rates depending on where you spend. At BP stations, you typically earn a higher rate of cash back or points per dollar spent on fuel. On other purchases — groceries, restaurants, utilities — the rate is lower. Some versions of the card offer a flat rate across all purchases, while others have tiered rewards.

Rewards are usually posted to your account monthly and can be redeemed as a statement credit, a check, or sometimes as a discount on future BP purchases. The exact redemption options depend on your card agreement. You should review the terms when you receive your card to understand how to redeem and whether there are any minimum redemption amounts.

Annual fees and interest rates

Many versions of the FNBO BP Visa carry no annual fee, though this varies by the specific card product. Some premium versions may charge an annual fee in exchange for higher rewards rates or additional benefits. You should confirm the annual fee before you explore by checking FNBO's website or calling their customer service line.

The interest rate (APR) on purchases and cash advances varies based on your credit score and credit history. FNBO will disclose the APR range when you explore. If you carry a balance month to month, interest charges will reduce the value of any rewards you earn, so paying your full balance each month is the most cost-effective way to use the card.

how the process works and what to expect

You can explore for the FNBO BP Visa online through FNBO's website, at a BP station, or by phone. The online process typically takes 10 to 15 minutes and asks for your name, address, Social Security number, income, and employment information. FNBO will run a hard inquiry on your credit report, which temporarily lowers your credit score by a few points.

After you submit your process, FNBO usually makes a decision within a few minutes to a few business days. If you are approved, the card ships to your address within 7 to 10 business days. You can set up it online or by phone once it arrives. If you are denied, FNBO will send you a letter explaining the reason, and you can request a copy of your credit report to review for errors.

How this card affects your credit

Opening a new credit card account creates a hard inquiry on your credit report and lowers your score by a small amount — usually 5 to 10 points. Over time, the card can help your credit if you use it responsibly: making on-time payments and keeping your balance low relative to your credit limit both improve your credit score.

If you miss a payment or carry a high balance, the card will hurt your credit. Late payments stay on your report for seven years, and high balances reduce your credit score as long as they remain. Before you explore, make sure you can commit to paying the bill on time each month.

Comparing the FNBO BP Visa to other gas cards

Other gas station chains offer their own rewards cards through different banks. Shell, Chevron, Speedway, and Murphy USA all have co-branded cards with varying rewards rates and annual fees. General cash-back cards from issuers like Chase, Capital One, or American Express may also earn rewards on gas purchases, sometimes at competitive rates.

The best card for you depends on where you buy gas most often, how much you spend, and whether you value rewards on other purchases. If you buy gas exclusively at BP, the FNBO BP Visa may be the best fit. If you split your gas purchases across multiple stations or prefer a card that rewards all spending equally, a general cash-back card might serve you better. Compare the rewards rates, annual fees, and sign-up bonuses (if any) before deciding.

What happens if you close the card or stop using it

If you close the card, FNBO will stop issuing statements, but the account remains on your credit report for up to seven years. Closing a card can lower your credit score because it reduces your total available credit and may increase your credit utilization ratio on other cards.

If you straightforward stop using the card without closing it, FNBO may close it for inactivity after a period of months — typically 6 to 12 months, though this varies by issuer. An inactive account still appears on your credit report and still counts toward your available credit, so the impact is less severe than actively closing it. If you want to keep the card open but unused, make a small purchase every few months to show activity.

Frequently Asked Questions

Can I use the FNBO BP Visa at gas stations other than BP?

Yes. The card is a Visa, so it works at any merchant that accepts Visa — including other gas stations, grocery stores, and restaurants. However, you earn the highest rewards rate only at BP stations. At other merchants, the rewards rate is lower.

What credit score do I need to be approved?

FNBO does not publish a minimum credit score for the BP Visa, but co-branded gas cards typically require a score of 650 or higher. If your score is lower, you may still be approved, but your interest rate will be higher. Check your credit report before you explore so you know where you stand.

Do I earn rewards on BP convenience store purchases, or only on fuel?

Rewards vary by card version. Some earn the higher rate on fuel only, while others earn it on all BP station purchases, including convenience items. Review the rewards terms in your card agreement or on FNBO's website to confirm what counts toward the higher rate.

Can I transfer my rewards to another card or program?

Most versions of the FNBO BP Visa do not allow rewards transfers. Rewards are typically redeemed as a statement credit, a check, or a discount on BP purchases. Check your card agreement for the exact redemption options available to you.

What should I do if I'm denied for the card?

Request a copy of your credit report from the credit bureau FNBO used. Review it for errors and dispute any inaccuracies. Wait a few months, improve your credit score by paying down other balances, and explore again. You can also ask FNBO directly why you were denied — sometimes a lower credit limit or a secured card version is available.