Atwoods Credit Card and Flexible Payment Plans: What Shoppers Need to Know About New FNBO Partnership

Atwoods Ranch & Home Goods has rolled out two fresh payment pathways in collaboration with First National Bank of Omaha (FNBO), giving customers greater flexibility when making purchases. The initiative introduces the Atwoods Reward Mastercard alongside a “buy now, pay later” arrangement through Slice by FNBO.

Streamlined Shopping with Dual Payment Approaches

Today’s retail environment demands payment variety, and Atwoods is responding to customer feedback by expanding options beyond traditional checkout methods. The dual-payment strategy addresses two distinct shopping preferences: those seeking rewards accumulation and those preferring payment flexibility.

The Atwoods Credit Card: Rewards at Every Turn

The Atwoods Reward Mastercard enables cardholders to earn points across different spending categories. Shoppers accumulate three points per dollar spent at Atwoods Ranch & Home Goods, two points per dollar on fuel and grocery transactions, and one point per dollar elsewhere.

The card launches with compelling incentives: customers receive $25 off their first in-store purchase exceeding $25, plus a limited-time bonus of a $25 Atwoods gift card following an in-store transaction (applications accepted through 12/31/23). The approval process is instantaneous—both in physical stores and through digital channels.

Budget-Friendly Installments Through Slice by FNBO

The “buy now, pay later” option addresses shoppers who prefer splitting costs into digestible payment increments. Slice by FNBO delivers multiple repayment structures with variable APRs spanning from 8.99% to 18.99%, calibrated to individual creditworthiness. Those enrolling in AutoPay benefit from reduced rates during the application phase.

The financing framework accommodates purchases ranging from $100 to $25,000, adapting to diverse customer circumstances and loan terms.

Why This Partnership Matters

“Our customers consistently tell us they want simpler, more rewarding shopping experiences,” stated Brian Atwood, President of Atwoods Ranch & Home Goods. “As a family-owned operation committed to best-price guarantees and exceptional service, we’re delivering the financial tools today’s shoppers demand.”

FNBO Executive Vice President Jerry J. O’Flanagan emphasized the alignment: “Our heritage prioritizes customer success. These payment solutions—whether through rewards accumulation or manageable payment splits—serve different shopping needs while maintaining security and reliability.”

Availability and Next Steps

The Atwoods credit card and Slice financing options launch across all 75 Atwoods locations and at Atwoods.com. Both remain available for immediate applications.

Background: The Companies Behind the Solutions

Atwoods Ranch & Home Goods operates as a contemporary general store with 75 outlets and expansion planned. The Oklahoma-based retailer combines competitive pricing with customer-centric service across general merchandise categories. More details available at Atwoods.com.

First National Bank of Omaha, established in 1857, functions as a subsidiary of First National of Nebraska, Inc. FNNI and affiliated entities manage nearly $30 billion in assets with 5,000 employees across multiple industries including retail, travel, entertainment, and nonprofits. FNBO specializes in partnership-driven payment ecosystems and community development initiatives spanning over 165 years.