Double reward points for the first 60 days!
- Competitive rates as low as 9.99% variable APR*
- Redeem your points for cash, gift cards, merchandise or travel
- NO annual fee*
- NO balance transfer fees*
- Zero-liability fraud protection
This card gives you access to millions of merchants and ATMs in more than 210 countries. You can take your card on every adventure – whether it’s a trip across town or across the globe.
Enjoy a full and generous rewards program.
- Earn points for every purchase
- NO limits on reward points you can earn or redeem
- Over 6 million reward options to choose from
- You choose how to cash in your rewards. Here are just a few of your options:
- Cash back
- Airline tickets
- Hotel rooms
- Gift cards
- And more
- Plus, earn DOUBLE reward points for the first 60 days!
Design Your Own Card – with PhotoCard
- Personalize your card with your favorite memory
- Use your favorite image – or select one from our gallery
- Best of all, your first personalized card is absolutely FREE
Once you receive and activate your Platinum Rewards MasterCard, you’ll be able to login to your account and set up your first PhotoCard in three easy steps.
Already have your card? Create your PhotoCard today!
If you ever have questions about your account or your credit card statement, please contact Customer Service. We’re here to help.
Outside the United States
P.O. Box 10346
Des Moines, IA 50306-0346
P.O. Box 10321
Des Moines, IA 50306-0321
* Please note this e-mail address is not secure; it is for general inquiry only. Please do not include your account information. If you have an account specific question, please call using one of the numbers above.
Look here first... then, if you still need help, please contact us.
What is Mutual of Omaha Bank ATIRAcredit™?
Mutual of Omaha Bank has partnered with ATIRAcredit to provide you with a Platinum Rewards MasterCard. Your Mutual of Omaha Bank ATIRAcredit card provides a competitive interest rate with no annual or balance transfer fees. You’ll also receive additional credit card benefits such as 24/7 customer service, online account information, and a generous rewards program with no earning limit.
What are the benefits of having a Platinum card?
Your platinum card gives you the prestige of having a top tier card with a generous rewards program. It also combines great benefits at no additional cost such as Zero Liability fraud protection and a $250,000 travel insurance policy that is automatically added when you use your Mutual of Omaha Bank ATIRAcredit Platinum MasterCard.
How do I transfer a credit card balance to my Mutual of Omaha Bank ATIRAcredit card?
Your Mutual of Omaha Bank ATIRAcredit card allows you to consolidate all of your credit card bills onto one low interest card. You may transfer a balance by calling Customer Service – be sure to have the billing information on the card that you wish to transfer the balance from, as well as your Mutual of Omaha Bank ATIRAcredit card number.
What is APR and how do I find my APR information?
APR stands for annual percentage rate. This is the amount of interest that is billed to your account for the convenience of utilizing your credit line. There is at least a 25-day grace period during which no interest will be charged on that month’s merchandise purchases. Please note that cash advances do not have a grace period. Your APR is variable, tied to The Wall Street Journal Prime Rate. To view your current APR, please sign into My Account. Please review your card agreement and Welcome Letter for complete APR details.
What is my line of credit?
This amount is listed in the upper right-hand corner of the document sent with your card. Additionally, your line of credit is listed on each of your statements. You may also sign into My Account to view your credit line and the balance remaining for purchases and cash advances.
What is a minimum monthly payment?
This amount is the monthly minimum you must pay to keep your account in good standing. This minimum amount is clearly stated on each statement and is equal to 2% of the new balance but at least $40. If the new balance is less than $40, then the minimum payment would be equal to the new balance.
What is the difference between a joint account holder and an authorized user?
A joint account holder is someone who is also responsible for the account. Their credit score is considered when creating the account and the existence of the account is noted on their credit bureau. An authorized user has the ability to charge on the account, but is not allowed to make any changes to the account (such as request a credit limit increase or change of address). An authorized users’ credit score is not reflected on the account, nor does the account impact the authorized users’ credit score.
Who do I talk to if I need help understanding my credit card statement?
If you have questions regarding your statement or if you feel there is an error, please contact Customer Service.
I have a dispute on my credit card statement, what do I do?
If you do not recognize a charge or feel you were billed an incorrect amount, please follow these three steps. First, doublecheck your receipts and check with other authorized users of your card. Second, contact the merchant where the purchase originated. Finally, if you are unable to resolve your dispute with the merchant, please contact Customer Service for assistance.
How does Mutual of Omaha Bank ATIRAcredit keep my personal information safe?
Your account safety is our primary concern. Please refer to our privacy pledge and security page for specific policies and information.
I am traveling internationally – can I use my Mutual of Omaha Bank ATIRAcredit card?
Your card will work in most countries. Due to fraud trends, we may restrict transactions in certain countries. As a fraud protection measure, we do strongly recommend that you call our customer service number prior to your departure. When traveling internationally, please use the direct dial number of 00-1-515-457-2984. The toll free number will not work outside the United States.
Can I add an additional user to my Mutual of Omaha Bank ATIRAcredit account?
Yes, please call Customer Service. They will quickly gather the necessary information from you and send out the second card. There is no fee for adding an authorized user.
I have heard about the CARD Act of 2009, where can I find more details?
Please check the ATIRAcredit card website for a comprehensive guide to the CARD Act of 2009 that includes a section-by-section review and effective dates.
What rewards do you offer?
Mutual of Omaha Bank ATIRAcredit offers a full and generous rewards program. You may choose from cash, gift cards, merchandise or travel rewards, just to name a few.
How do I redeem my rewards?
Please sign into My Account for full details.
Activation and Use
How do I activate my account?
When you receive your card, please call our special activation hotline at 888.691.8661 from your home phone. Once your card is activated, don’t forget to register at My Account for full online access.
My card has been lost/stolen, what should I do?
Please call 866.596.3061 immediately to report your lost card. Our customer service team will disable the card to limit unauthorized spending. To better assist us in servicing your account, please let us know where and when your card was lost/stolen and the last authorized transaction on the card.
How do I make a cash advance?
There are two convenient ways to get cash from your Mutual of Omaha Bank ATIRAcredit card. You may visit your Mutual of Omaha Bank branch or call 866.596.3061 to request a PIN to make withdrawals from any ATM.
I think I have fraud on my account, what should I do?
Please call 866.596.3061 immediately to report any fraud.
What is MasterCard SecureCode and how do I register?
MasterCard SecureCode is another layer of security MasterCard offers its members for online purchases. Please visit MasterCard’s website to register and for more information.
How can I get my credit limit increased?
Mutual of Omaha Bank ATIRAcredit proactively adjusts your credit limit in response to your credit score. Maintaining a high credit score will earn you a higher line of credit. In the event you need a credit limit increase, please call customer service to request the additional amount.
How can I pay my credit card bill?
You can mail your payment to the payment address, sign into My Account to make an electronic payment, drop it off at your local Mutual of Omaha Bank branch, or add autopay for your convenience.
I forgot the password or username to My Account, how do I get a new one?
In the event you are unable to log into your account online, please re-enroll your card through My Account.