CardSleuth
← Back to explorer
44

FNBO Rewards Secured Visa® Card

First National Bank Of Omaha

Secured cardTop-25 issuerRegionalVariable · PrimeCredit score 619 or lessCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
23.99–24.49%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
3%
Grace period
21 days

Purchase APR by credit tier

Median rate the issuer reported for each tier

The purchase rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered23.99%
Median24.49%
Highest offered24.49%

Cash advance APR

The cash advance rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered28.24%
Median28.74%
Highest offered28.74%

Every fee on this card

Annual feeNone
Balance transfer feegreater of 5% or $10
Cash advance feegreater of 5% or $5
Foreign transaction fee3%
Purchase transaction feeNone
Late fee$29
Repeat late fee (6 mo)$40
Over-limit feeNone
Minimum finance charge$1.75
Balance computationAverage daily balance including new purchases
Additional fees
Returned Payment (Payment Dishonored Fee)$35
Cash Equivalent Fee$5

Late fee policy: Up to $40 Late fee cannot exceed the minimum payment due. First time is $29, second time in 6 months it goes to $40. Late Fee cannot exceed the minimum payment due.

Rewards, benefits and features

Rewards
  • Other rewards
Services
  • Access to Free Credit Scores
  • Other
Features
  • Contactless Payments
  • Chip card
  • Mobile wallet provisioning (for example, Apple Pay)
  • Other

Issuer note: Cash Back, Gift Cards, Merchandise, Travel, Other

Who can get this card

AvailabilityRegional
StatesCO, IA, IL, KS, NE, SD, TX, WY
Membership requirementsOpen to the public
Balance transfer

This card does not offer a balance transfer rate.

Cost to carry a balance
Interest for a year at 24.49%$734.70
Annual / periodic fees$0
Total yearly cost$734.70

Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 21-day grace period avoids the interest entirely.

Cardholder agreements

4 documents filed by First National Bank Of Omaha in the 2026 Q1 archive.

More from this issuer