First National Bank of Omaha
Sun Country Airlines
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Card review
Sun Country Airlines
First National Bank of Omaha
Last updated September 21, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.
Annual fee
$69
Welcome bonus
See issuer
Est. net value
$265/yr
Credit score
Varies
Top earn rate
3x everything else
Overview
How this card fits in your wallet — fees, value, and who it's built for.
The Sun Country Airlines from First National Bank of Omaha carries a $69 annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $333.60 in rewards plus $0.00 in credits and perks — $264.60 net per year before welcome bonuses.
How the points work
3X on all Sun Country purchases
2X on gas and grocery purchases
1X on everything else
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
| Category | Rate |
|---|---|
| Everything elseSun Country | 3× |
| GasGas | 2× |
| GroceriesGroceries | 2× |
| Everything elseAll Purchases | 1× |
Credits & benefits
Statement credits and perks we model in net-value calculations.
Benefits & perks
- Free Drink
1 free premium drink per flight1 when you show your Sun Country Visa card.
- 50% Off Seats and First Bag
50% off seat selections & first bag for you and your travel companions when traveling on the same itinerary. To receive the 50% off benefit, the seat selections and bag fees must be pre-purchased online at suncountry.com or via Sun Country Airlines reservations line at 651-905-2737.
- Priority Boarding
Priority boarding on Sun Country flights every time you fly when you show your Sun Country Visa card.
- Earn a 10,000 Point Bonus
10,000 point anniversary bonus when you spend $10,000 or more during each 12 billing cycle period.
- 10,000 Point Bonus
10,000 point anniversary bonus after spending $10,000 during a 12 month billing cycle period.
Transfer partners
Where this card's points can go, and at what ratio. 13 partners.
- Air Canada Aeroplan1:1
- Air France KLM Flying Blue1:1
- British Airways Avios1:1
- Emirates Skywards1:1
- Iberia Plus1:1
- JetBlue TrueBlue1:1
- Singapore KrisFlyer1:1
- Southwest Rapid Rewards1:1
- United MileagePlus1:1
- Virgin Atlantic Flying Club1:1
- World of Hyatt1:1
- IHG One Rewards1:1
- Marriott Bonvoy1:1
Work out what a transfer is worth in the transfer calculator.
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
Credits & perks vs fee
- Annual fee
- −$69
- Stated credits
- +$0
- Perks (est.)
- +$0
- Net after credits & perks
- -$69
Verdict
Fee exceeds stated credits & perks
You'll need enough rewards on your spend to cover the gap — model that below.
WalletFlo calculator tools
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Reward Calculator
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Side by Side Compare
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Is the Annual Fee Worth it?
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Points & Miles → $ Converter
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Awards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Transfer Partner Calculator
Explore transfer partner conversions across programs.
Reward calculator
Model this card on your spend — adjust categories and compare with others.
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Frequently asked questions
- What credit score do I need?
- Issuers generally look for good-to-excellent credit; exact thresholds vary.
- Is the annual fee worth it?
- See the annual fee analysis above, or open the full calculator to model credits and perks against $69 per year.