
Earn up to $250 as a Statement Credit!² Must apply by April 30, 2025
$99 Annual Fee¹
Must apply here for this offer. Offers vary elsewhere.⁺ Must apply by April 30, 2025.
No Annual Fee*
Must apply here for this offer. Offers vary elsewhere.⁺ Must apply by April 30, 2025.
Earn $250 as a Statement Credit²
When you spend $500 within the first three billing cycles after your Universal Rewards Plus Visa Signature® Card account is open.
Earn $150 as a Statement Credit**
When you spend $500 within the first three billing cycles after your Universal Rewards Visa Signature® Card account is open.
10% off³ select merchandise, food and beverage purchases
at select locations throughout Universal Theme Parks and Universal CityWalk in Orlando and Hollywood when you mention this discount and use your card.
10% off³ select merchandise, food and beverage purchases
at select locations throughout Universal Theme Parks and Universal CityWalk in Orlando and Hollywood when you mention this discount and use your card.
4X Points Per Dollar Spent
on qualifying Universal Purchases²
2X Points Per Dollar Spent
on Travel, Gas and Dining purchases²
on qualifying Universal Purchases**
1X Point Per Dollar Spent
everywhere else²
everywhere else**
Anniversary Bonus: One Complimentary Ticket
Earn either, one (1) single day theme park general admission ticket to (i) Universal Islands of Adventure and Universal Studios Florida or (ii) Universal Studios Hollywood on or shortly after your card anniversary, when you spend $6,000 or more with your Universal Rewards Plus Visa Signature® Card during each 12 consecutive billing cycle period. Restrictions apply.²
The Visa® Everywhere Lounge
Unwind with special access to this lounge located in Universal Studios Hollywood and Universal Studios Florida.⁴ Open from Noon-5:00pm daily.
Special Financing Available
Get 0% APR¹ for 6 months anytime you spend at least $1,000 in one qualifying Universal Purchase and your credit limit exceeds $1,000. After 6 months, your APR will be a variable APR¹ based on the Prime Rate between 21.99% and 28.99% APR.¹
Get 0% APR* for 6 months anytime you spend at least $1,000 in one qualifying Universal Purchase and your credit limit exceeds $1,000. After 6 months, your APR will be a variable APR* based on the Prime Rate between 21.99% and 28.99% APR.*
$99 Annual Fee¹
No Annual Fee*
Must apply here for this offer. Offers vary elsewhere.⁺ Must apply by April 30, 2025.
Must apply here for this offer. Offers vary elsewhere.⁺ Must apply by April 30, 2025.
This is How Adventurers Get Rewarded

Earn Rewards with Every Purchase
Every purchase gets you closer to your next Universal adventure with 4X Points² per dollar spent on qualifying Universal Purchases, 2X Points² per dollar spent on Travel, Gas and Dining purchases and 1X Point² per dollar spent everywhere else. You earn rewards on every purchase, everywhere. Then redeem your rewards for a Universal FUNds Visa® Prepaid Card you can use at select Universal locations and for flights and hotel stays booked directly with airlines and hotels.

Anniversary Bonus
Earn either, one (1) single day theme park general admission ticket to (i) Universal Islands of Adventure and Universal Studios Florida or (ii) Universal Studios Hollywood on or shortly after your card anniversary, when you spend $6,000 or more with your Universal Rewards Plus Visa Signature Card during each 12 consecutive billing cycle period. Restrictions apply.²

Special Financing Available
Get 0% APR¹* for 6 months anytime you spend at least $1,000 in one qualifying Universal Purchase and your credit limit exceeds $1,000. After 6 months, your APR will be a variable APR based on the Prime Rate between 21.99% and 28.99% APR.¹*

The Perks Keep Coming
With the Universal Rewards Plus Visa Signature Card and Universal Rewards Visa Signature Card, you'll get access to exciting cardholder perks and benefits like 10% off select merchandise, food and beverage purchases at select locations throughout Universal Theme Parks and Universal CityWalk in Orlando and Hollywood when you mention this discount and use your card.³ Keep an eye out for more benefits to come.
Your Choice of Card Design
Five to choose from, with no wrong decision!

Check out our Halloween Horror Nights card designs.

Redeem rewards for Theme Park tickets, Universal Express passes, vacation packages and more. ²**
Explore Which Credit Card Is Best for You
Please see the Summary of Credit Terms link for each card product for important information on rates, fees, costs, conditions and limitations

$99 Annual Fee¹
4X Points per dollar spent on qualifying Universal Purchases²
2X Points per dollar spent on Travel, Gas and Dining purchases²
1X Point per dollar spent everywhere else.²
Welcome Bonus, upon approval: Spend $500 within the first three billing cycles after your account is open and receive a $250 statement credit.²
Anniversary bonus: Earn either, one (1) single day theme park general admission ticket to (i) Universal Islands of Adventure and Universal Studios Florida or (ii) Universal Studios Hollywood on or shortly after your card anniversary when you spend $6,000 or more with your Universal Rewards Plus Visa Signature Card during each 12 consecutive billing cycle. Restrictions apply.²
10% off select merchandise, food and beverage purchases at select locations throughout Universal theme parks and Universal CityWalk in Orlando and Hollywood when you mention this discount and use your card.³
Access to The Visa Everywhere Lounge inside Universal Studios Hollywood and Universal Studios Florida. Open Noon – 5:00pm Daily.⁴
Must apply here for this offer. Offers vary elsewhere.⁺
Must apply by April 30, 2025.
2X Points per dollar spent on Travel, Gas and Dining purchases²
1X Point per dollar spent everywhere else.²
Welcome Bonus, upon approval: Spend $500 within the first three billing cycles after your account is open and receive a $250 statement credit.²
Anniversary bonus: Earn either, one (1) single day theme park general admission ticket to (i) Universal Islands of Adventure and Universal Studios Florida or (ii) Universal Studios Hollywood on or shortly after your card anniversary when you spend $6,000 or more with your Universal Rewards Plus Visa Signature Card during each 12 consecutive billing cycle. Restrictions apply.²
10% off select merchandise, food and beverage purchases at select locations throughout Universal theme parks and Universal CityWalk in Orlando and Hollywood when you mention this discount and use your card.³
Access to The Visa Everywhere Lounge inside Universal Studios Hollywood and Universal Studios Florida. Open Noon – 5:00pm Daily.⁴
Must apply here for this offer. Offers vary elsewhere.⁺
Must apply by April 30, 2025.

$0 Annual Fee*
2X Points per dollar spent on qualifying Universal Purchases**
-
1X Point per dollar spent everywhere else.**
Welcome Bonus, upon approval: Spend $500 within the first three billing cycles after your account is open and receive a $150 as a Statement Credit.**
-
10% off select merchandise, food and beverage purchases at select locations throughout Universal theme parks and Universal CityWalk in Orlando and Hollywood when you mention this discount and use your card.³
-
Must apply here for this offer. Offers vary elsewhere.⁺
Must apply by April 30, 2025.
-
1X Point per dollar spent everywhere else.**
Welcome Bonus, upon approval: Spend $500 within the first three billing cycles after your account is open and receive a $150 as a Statement Credit.**
-
10% off select merchandise, food and beverage purchases at select locations throughout Universal theme parks and Universal CityWalk in Orlando and Hollywood when you mention this discount and use your card.³
-
Must apply here for this offer. Offers vary elsewhere.⁺
Must apply by April 30, 2025.
Got Questions?
Please be advised, selecting the links on this page will navigate to a third party First National Bank of Omaha site which will be governed by FNBO's privacy policy and terms of use.
Current cardmembers, click here to manage your account
Offer Details
⁺Offers may vary depending on where you apply, for example online or in person. To take advantage of this offer, apply now directly through this advertisement. Review offer details before you apply.
Please see the Summary of Credit Terms link for each card product above for important information on rates, fees, costs, conditions and limitations. Minimum monthly payments required.
Please note you must pay your entire statement balance (with the exception of purchases made with this promotional rate during its promotional rate period) in full by the payment due date each month to avoid being charged interest on new non-promotional purchases from the date those purchases are made.
¹For additional information about Annual Percentage Rates (APRs), fees and other costs, see the Summary of Credit Terms link above.
Special Financing Details: Purchases in which single or multiple items are purchased in the same transaction totaling at least $1,000 in qualifying Universal Purchases will be referred to as "Eligible Purchases" in the Summary of Credit Terms (linked above). All Transactions are subject to approval. Accounts are eligible only if they are open, in good standing and not already subject to special terms. All other terms of your account remain in effect. 6 months means at least 180 days (may appear on more than 6 statements).
²See the Rewards Terms and Conditions in the Summary of Credit Terms (linked above) for details including earning, redemption, expiration and forfeiture (subject to applicable law) and ticket restrictions.
³You must mention and use your Universal Rewards Plus Visa Signature® Card or Universal Rewards Visa Signature® Card at time of purchase to receive discount. Discount is valid at select Universal Orlando Resort and Universal Studios Hollywood owned and operated food and beverage locations and carts and merchandise stores and in the theme parks and Universal CityWalk. (For more information click here.)
All dining discounts apply to food and non-alcoholic beverages except where noted. Discounts not valid on gift cards, collectible currencies, online purchases, mobile food and drinks orders, Tapu Tapu, carnival games, special events, holiday dining, alcoholic beverages, film, collectibles and other specialty or limited-edition merchandise; excludes gratuity and tax. Offer subject to availability and to change without notice and cannot be combined with any other offers, promotions, discounts, or prior purchases. Additional exclusions and restrictions may apply.
⁴Must present valid Universal Rewards Plus Visa Signature® Card and valid photo ID for lounge entry. Valid for up to four (4) people per card (including cardholder). Separate theme park admission required. Open from Noon–5:00pm daily. Subject to availability, limited capacity. Lounge hours, availability, and offerings subject to change without notice.
*For additional information about Annual Percentage Rates (APRs), fees and other costs, see the Summary of Credit Terms (linked above).
**See the Rewards Terms and Conditions in the Summary of Credit Terms (linked above) for details including earning, redemption, expiration and forfeiture (subject to applicable law).
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.