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45

Melaleuca Rewards Visa® Card

First National Bank Of Omaha

Top-25 issuerNationalVariable · PrimeCredit score 619 or lessCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
23.99–28.49%
Annual fee
None
0% intro
None
0% transfer
12 mo
Foreign fee
3%
Grace period
21 days

Purchase APR by credit tier

Median rate the issuer reported for each tier

No score
—
≤619
26.49%
620–719
28.49%
720+
24.49%
Lowest offered23.99%
Median28.24%
Highest offered28.49%

Balance transfer APR

Promotional window: 12 months · grace period retained on purchases

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

Lowest offered0%
Median0%
Highest offered0%

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: 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: Melaleuca Rewards Program

Who can get this card

AvailabilityNational
Membership requirementsYes
RequirementOther. Please Describe:
Balance transfer calculator
Stay put — 12 mo at 24%$600
Transfer fee (5%)$250
Promo interest at 0.00%$0
You save$350

Assumes you pay the balance down evenly across the 12-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 28.24% afterwards.

Cost to carry a balance
Interest for a year at 28.24%$847.20
Annual / periodic fees$0
Total yearly cost$847.20

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.

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