Meet your new

GearUp Visa^®Card

NEW card
EXPANDED rewards
EASIER redemptions

On May 28, 2025, your card will become the GearUp Visa^® Card. No action is needed right now. You can continue using your current card as you normally would, and you will receive your new GearUp Visa^® Card by mid-July.

Here's everything you need to know about your new card.

Expanded Earning Opportunities

Earn

3X Points¹

on auto-related purchases

Expanded earning opportunities include
all automotive sales, repairs and service at any dealership or repair shop; all auto parts and accessories; parking; car washes

+

3X Points¹

on gas and grocery purchases

+

1X Point¹

per dollar spent on all other purchases

+

No Annual Fee²

Enhanced Redemption Options

Redeem

Rewards Your Way

Beginning May 28, 2025, you can redeem points in more categories than ever before.

Cash Back
Travel
Gift Cards
Merchandise

PayMeBack^TM is coming soon!

Later this year, you can redeem points using PayMeBack™ to get a statement credit for all qualifying auto-related purchases. More details to come.

Frequently Asked Questions

General
Account
Rewards and Benefits

The relationship between Ford^® Motor Company and First National Bank of Omaha (FNBO^®), the issuer of the FordPass^® Rewards Visa^® Card and Lincoln Access Rewards™ Visa^® Card, is coming to an end. Beginning May 28, 2025, you will no longer earn FordPass^® Rewards and Lincoln Access Rewards™ Points. Instead, beginning May 28, 2025, your card will automatically convert to earning points in the GearUp Rewards program. Points earned in the GearUp Rewards program cannot be redeemed in FordPass^® Rewards or Lincoln Access Rewards™. Any FordPass^®Rewards or Lincoln Access Rewards™ Points earned from the FordPass^® Rewards Visa^® Card or Lincoln Access Rewards™ Visa^® Card by current cardholders through May 27, 2025, will remain in your FordPass^® Rewards or Lincoln Access Rewards™ account, subject to its terms and conditions.

First National Bank of Omaha (FNBO^®) is the current issuer of the FordPass^®Rewards Visa^® Card and the Lincoln Access Rewards™ Visa^® Card. We are proud to offer the GearUp Visa^® Card that will enable you to earn points at more places and redeem points for much more than just Ford^® and Lincoln service and vehicles. Since you already have the FordPass^® Rewards Visa^® Card or Lincoln Access Rewards™ Visa^® Card, you are already a customer of ours, making the transition to GearUp Rewards easy and seamless.

Located in Omaha, NE, FNBO is the credit card issuer for other major brands in retail, travel, entertainment, automotive, oil, and nonprofit industries.

Yes. You should expect your new GearUp Visa^® Card by mid-July if your account is open and in good standing. After you receive it, properly dispose of your old FordPass® Rewards Visa^® Card or Lincoln Access Rewards™ Visa^® Card so you can start using your new card immediately. Until then, you can continue using your current card as you normally would.

You will continue earning FordPass^® Rewards or Lincoln Access Rewards™ Points on eligible transactions using your FordPass^® Rewards Visa^® Card or Lincoln Access Rewards™ Visa^® Card through May 27, 2025. Any FordPass^® Rewards Points or Lincoln Access Rewards™ Points earned by current cardholders through May 27, 2025, will remain in your FordPass^® Rewards or Lincoln Access Rewards™ account, subject to its terms and conditions.

Starting May 28, 2025, your card will earn points with the GearUp Rewards program which cannot be redeemed in FordPass^® Rewards or Lincoln Access Rewards™.

Yes. Any points earned with the FordPass^® Rewards Visa^® Card or Lincoln Access Rewards™ Visa^® Card through May 27, 2025, will continue to be available for you to use in the FordPass^® Rewards Program (managed by Ford^® ) or Lincoln Access Rewards™ Program (managed by Lincoln). Starting May 28, 2025, points earned with the GearUp Visa^® Card will be part of the GearUp Rewards Program which cannot be redeemed in FordPass^® Rewards or Lincoln Access Rewards™.

The mobile app you use to manage your FordPass^® Rewards Visa^® Card or Lincoln Access Rewards^TM Visa^® Card account from FNBO will be going away on May 27, 2025. You will need to download the Card by FNBO mobile app from your app store to manage your GearUp Visa^® Card account starting May 28, 2025. Search for "Card by FNBO" in your app store. When logging into your new FNBO mobile app, you may use your same username and password as that has not changed.

The FordPass^® app used for accessing vehicle Remote Features, Roadside Assistance and other features will still be available for your use.

With your new GearUp Visa^® Card, you will earn:

3X Points¹ on an expanded number of auto-related purchases
3X Points¹ on gas and grocery purchases
1X Point¹ per dollar spent on all other purchases

All of this with No Annual Fee²

With those earned GearUp Rewards Points, beginning May 28, 2025, you can redeem in more categories than ever before.

Gift Cards
Merchandise
Travel
Cash back

And later this year, you can redeem points using PayMeBack^TM to get a statement credit for all qualifying auto-related purchases. More details to come.

You will be able to view and redeem points online anytime by visiting card.fnbo.com or by downloading the Card by FNBO mobile app. This is the same site you will manage your GearUp Visa^® Card on. When logging into your online account or new FNBO mobile app, you may use your same username and password as that has not changed.

Your first account statement after May 28, 2025, will provide point earnings for the GearUp Rewards program. Any GearUp Rewards points earned and added to your point balance will be reflected in the "Current point balance" line of your Rewards Summary.

Points can be redeemed online 24/7 by accessing your account at card.fnbo.com from the Account Details page, your point total will be available under the “Redeem Rewards” button. You can also call the number stated in your Rewards Terms and Conditions during the hours of operation as indicated. When logging into your online account or new FNBO mobile app, you may use your same username and password as that has not changed.

Important Information
We reserve the right to change your account terms for reasons described in your Cardmember Agreement.

¹See your Rewards Terms and Conditions for details including earning, redemption, expiration and forfeiture (subject to applicable law).

²For additional information about Annual Percentage Rates (APRs), fees and other costs, see your Rates and Terms Schedule.

Cards are issued by First National Bank of Omaha (FNBO^®), pursuant to a license from Visa U.S.A., Inc. VISA and VISA SIGNATURE are registered trademarks of Visa International Service Association and used under license.

GearUp Visa® Card

NEW card EXPANDED rewards EASIER redemptions

Expanded Earning Opportunities

Earn

3X Points1

on auto-related purchases

Expanded earning opportunities include all automotive sales, repairs and service at any dealership or repair shop; all auto parts and accessories; parking; car washes

+

3X Points1

on gas and grocery purchases

+

1X Point1

per dollar spent on all other purchases

+

No Annual Fee2

Enhanced Redemption Options

Redeem

Rewards Your Way

Beginning May 28, 2025, you can redeem points in more categories than ever before.

Cash Back

Travel

Gift Cards

Merchandise

PayMeBackTM is coming soon!

Later this year, you can redeem points using PayMeBack™ to get a statement credit for all qualifying auto-related purchases. More details to come.

Frequently Asked Questions

Why am I receiving this information?

Who is FNBO?

Will I receive a new credit card?

Will my account information change?

Will I still be able to use the FordPass® Rewards Points or Lincoln Access Rewards™ Points I’ve earned?

Will there be a change to my Purchase APR?

Will I still have 0% APR2 Dealership Financing?

GearUp Visa^®Card

NEW card
EXPANDED rewards
EASIER redemptions

3X Points¹

Expanded earning opportunities include
all automotive sales, repairs and service at any dealership or repair shop; all auto parts and accessories; parking; car washes

3X Points¹

1X Point¹

No Annual Fee²

PayMeBack^TM is coming soon!