What a Credit Card

Can Be

Hi! We’re Bend by FNBO

Bend by FNBO is a new service from First National Bank of Omaha built in collaboration with industry leading fintech infrastructure partners to bring modern API embeddable co-branded credit products to digital brands and fintechs.

Who We Work With



Digital Brands

Digital Brands

Financial Platforms

Technology Platforms

Digitally-driven, experience-led

FNBO is a 160 year old family owned bank and leading credit card issuer powering over 250 financial institution, co-brand, reward, and affinity partner branded in-market card programs. 

As an early pioneer of partner branded credit card issuance, FNBO has a long history of staying ahead of the pack to meet the needs of our partners and our shared customers.

Bend by FNBO is the next step in our evolution.

How We’re Different

Bend by FNBO marries FNBO’s historical strength in the partner branded credit market with the modern technical capabilities of emerging non-bank credit issuing program managers – a powerful combination that enables us to uniquely deliver advanced capabilities and value to the market.

How We're Different

Why Brands Choose Us


Launch a Card Program Quickly


Build and Host Your Own Experience


Flexible Revenue Models


Financial and Technology Expertise

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The Flexible Credit Card Issuer

Design Your Credit Card Today