Purchase APR
26.49–26.99%
Annual fee
$35
Foreign fee
3%
SecuredTop-25 issuer≤619620–719Other
Carrying $3k for a year ≈ $844.70 incl. $35 fee
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The Restaurant Store Visa® Card
Top-25 issuerNationalVariable · PrimeCredit score 619 or lessCredit score 620–719Credit score 720+
Purchase APR
26.74–27.24%
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 offered26.74%
Median27.24%
Highest offered27.24%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered26.74%
Median27.24%
Highest offered27.24%
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: The Restaurant Store Program
Who can get this card
AvailabilityNational
Membership requirementsYes
RequirementOther. Please Describe:
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 27.24%$817.20
Annual / periodic fees$0
Total yearly cost$817.20
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.
More from this issuer
Purchase APR
28.49–28.99%
Annual fee
None
Foreign fee
3%
SecuredTop-25 issuer≤619620–719
Carrying $3k for a year ≈ $869.70
Purchase APR
28.49–28.99%
Annual fee
None
Foreign fee
3%
SecuredTop-25 issuer≤619620–719
Carrying $3k for a year ≈ $869.70
Purchase APR
23.99–24.49%
Annual fee
None
Foreign fee
3%
SecuredTop-25 issuer≤619620–719Other
Carrying $3k for a year ≈ $734.70