Can I obtain secured card from you after bankruptcy?
7
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First National Bank of Omaha Secured Visa® Card Reviews: Is It Worth It? (2023)Reviews, rates, fees, and customer service info for The First National Bank of Omaha Secured Visa® Card. Compare to other cards and apply online in secondsJohn Kiernan
WalletHubNo membership feesQualify with bad creditHigh regular APRForeign feeRequires security deposit
WalletHubNo membership feesQualify with bad creditHigh regular APRForeign feeRequires security depositFirst National Bank of Omaha Secured Visa® Card
First National Bank of Omaha Secured Visa® Card
Info about First National Bank of Omaha Secured Visa® Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
APRReviewsQ&AContactAPRWalletHub ReviewQ&ACustomer Reviews
Accepted Credit Scores
Accepted Credit Scores
Bad Credit
Minimum Security Deposit
$300
Fees
One-Time Fees$0
Annual Fee$0
Monthly Fee$0
APR on Purchases
24.99% (V)
WalletHub Review
First National Bank of Omaha Secured Card Pros & Cons
No membership fees
Qualify with bad credit
High regular APR
Foreign fee
Requires security deposit
First National Bank of Omaha Secured Card's Additional Info
| cash advance fee | 5% (min $15) |
| cash advance APR | 29.99% (V) |
| foreign transaction fee | 3% |
| smart chip | Yes, chip-and-signature |
| max late fee | $40 |
| max overlimit fee | $0 |
| max penalty APR | None |
Request your credit limit by providing a deposit between $300 and $5,000, in $50 increments, when you apply.
You may be able to get your deposit back automatically in as little as 11 months when you maintain a good payment history (subject to credit approval).
You can qualify for a credit limit increase without an additional deposit in as little as 7 months when you use your card and make regular, on-time bill payments (subject to credit approval).
Automatic reporting to the 3 major credit bureaus.
View your FICO® Credit Score each month online - for free.
Questions & Answers
Can't find what you are looking for? Submit your question about First National Bank of Omaha Secured Visa® Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
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Can I get expedited shipping on my First National Bank of Omaha Secured card?
6
UpvotesReply
Victor Eriksen
You can get expedited shipping on your First National Bank of Omaha Secured card by calling 888-530-3626.
Their Cardmember Agreement states that you may be charged with an expedited card fee, which will be disclosed to you upon request of such expedited delivery.
How do you get a First National Bank of Omaha Secured card deposit refund?
5
UpvotesReply
Sydney Garth
You can get a First National Bank of Omaha Secured Card deposit refund if your card graduates to unsecured or if you close your account.
By maintaining a good payment history, your card might graduate within only 11 months of account opening. In this case, the issuer will refund your deposit by either wiring it to...
How can I pre-qualify for the First National Bank of Omaha Secured card?
5
UpvotesReply
Nicolas Muller
There is no way to pre-qualify for the First National Bank of Omaha secured credit card.
You will need to submit an actual application, and that will result in a hard inquiry on your credit report. The credit score impact will be minimal though.
Does the First National Bank of Omaha Secured card do a hard pull?
5
UpvotesReply
Willy Reis
Yes, the First National Bank of Omaha Secured will do a hard pull. You can apply for it with bad credit though.
There is no way to get pre-approved for the First National Bank of Omaha Secured.
A hard pull usually causes an applicant's credit score to drop...
If I deposit 400 onto card is that amout availble to me right away?
5
UpvotesReply
First National Bank of Omaha
Thank you for reaching out. For online payments made before 5PM CST, funds will be available the following business day. After 5PM CST, funds will be available in two business days. Weekends and holidays will also affect when the funds are available. If you have any more questions, please give...
Will there be a hard inquiry?
5
UpvotesReply
Lisa Cahill
Yes, anytime you apply for a credit card there will be a hard inquiry.
View more answers
How long does it take to get the First National Bank of Omaha Secured Credit Card?
5
UpvotesReply
John Miller
It should take 10 to 14 business days to get the First National Bank of Omaha Secured Card after you get approved. If you need the card sooner, you can request expedited shipping at no additional cost. To do that, call customer service at (888) 530-3626 after you get approved. With rushed delivery, you should receive the card in...
Can you get approved for the First National Bank of Omaha Secured card after bankruptcy?
4
UpvotesReply
Maria Adams
Yes, you might get approved for the First National Bank of Omaha Secured Card after bankruptcy, but there's no way to know after how much time will the issuer consider you eligible.
For better approval odds with a discharged bankruptcy on your record, try applying for a bankruptcy-friendly credit card instead.
How can I do a balance transfer with the First National Bank of Omaha Secured card?
4
UpvotesReply
Scott Russell
You can do a balance transfer with the First National Bank of Omaha Secured card online or by calling (888) 530-3626, but I'd strongly advise against it.
Secured cards are designed for people who want to improve their credit, and they don't usually come with a low APR that would make...
Compare The First National Bank of Omaha Secured Card
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
Transfer Intro APRNot Offered
Transfer Intro APRNot Offered
Transfer Intro APRNot Offered
Regular APR24.99% (V)
Regular APR29.99% (V)
Regular APR9.99%
Rewards RateNone
Rewards RateNone
Rewards RateNone
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First National Bank of Omaha Secured Card Reviews
Share your insights and review the First National Bank of Omaha Secured Visa® Card
3.4
1,136 reviews
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4 Star Rating
I have been with them for 9 years, I have never had a problem. Customer service is great. I would recommend this card, interest fees are average
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Thank you for the positive review, Michele. We appreciate our long time customers and their loyalty!
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2 Star Rating
Verified CustomerI had a credit limit of 5,200.00, first I got a ultimatum from the company to use the card or loose the card, after a month I looked at my credit score and saw where they had canceled the card and knocked a huge hole in my credit
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We're sorry to hear about any inconvenience you may have experienced. Customer service is very important to us and we appreciate you taking time to voice your concerns. We will make sure to pass this feedback on.
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2 Star Rating
Verified CustomerSo, I have two secured cards with FNBO - one opened in 2014 and the second in 2017.. and to this day BOTH remain secured. My credit scores have obviously improved (I do have 'normal' Prime credit cards in my wallet now) but keep these cards because of the AAOA for these on my credit report. Never overlimit, always pay right when the statement cycles.. not sure why after 5 years you won't unsecure a $500 credit card. I see the prior responses and can tell you that your customer service team does not take "feedback" seriously.. they hardly care when you do give any feedback. I can barely call in to your 888 number to speak with someone, without waiting for at least 25-30 min on average. I rated this card 2-stars as it really offers NOTHING in the way of benefits, aside from being a loan on your own money, which also earns zero interest. Card APR is OK.. but there are ZERO features on this card that make it worth the hassle (no BT, no Rewards, Nada).
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We are sorry to hear about your recent experience. Our Secured Credit Cards are reviewed through an automated process without an option for manual review. We value your opinions, and take all correspondence seriously. Please be assured we take all feedback into consideration.
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2 Star Rating
Have had this card for a year and 8 months!!!! It is STILL secured and they can’t tell me why!!! Think I’m about to just close it I’ve been approved for other unsecured cards now.... just really a disappointment. Never been late on any payments or anything so oh well!
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Thank you for reaching out. We are sorry to hear about your recent experience. Our Secured Credit Cards are reviewed through an automated process. We value your opinions, and we take all correspondence seriously. We will make sure to pass this feedback onto our customer experience team.
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5 Star Rating
Verified CustomerI got the secured credit card in August 2018. Did $300 deposit. They always do a great job. Have a nice website. Give a FICO bankcard score from Experian on website. Easy to pay bill from website. Good phone auto service also (reporting balance, etc.). They report to all 3 bureaus. After six months, February 2019, they increased my credit limit $100 without me asking. (I used the card consistently and always pay the balance down to $0 every month.) I give it 5 stars. Thank you.
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Laura Lee, thank you for your kind words! We’re honored to serve our customers and thrilled to hear about your good experience.
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1 Star Rating
Verified CustomerThey don't tell the facts. They say its this amount on the balance and when you get ready to pay off the amount you call and they forget to add everything in and then you end up paying a large interest. It happened to me.
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We are sorry to hear about your recent experience and appreciate you taking time to voice your concerns. We value your opinions, and we take all correspondence seriously. We will make sure to pass this feedback onto our customer experience team.
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1 Star Rating
Even though I got this card to build my credit, I also got it b/c I needed a VISA/MC since most merchants take those over Amex. (I already had an Amex). In order to get the card, I had to go through the whole verification process and then pay a deposit. Finally got the card and after the first billing cycle, I go to use it at the grocery store (with a cart full of food) and the transaction wouldn’t even authorize. I called FNBO to find out what's going on and I’m immediately transferred to the "fraud dept". They tell me that I need to verify my identity and to "go to a bank with my ID and call them back when I get there for further instructions." What?! Who has time for these inspector gadget games. They really put me in a bind my shutting the card off FOR NO REASON. I only used the card to buy groceries and a few online items, so there was no reason for my account to be flagged or shut down. They wouldn't even tell me WHY my account was flagged in the first place. Turns out, they always do this randomly to people's account "for security reasons." To add insult to injury, they also REFUSED to refund my security deposit and all other monies owed!! I filed a complaint with the CFPB (FNBO already has 153 complaints filed against them this year) and I will be suing them if I don't get my money back.
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1 Star Rating
Not a good card for rebuilding your credit
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4 Star Rating
Card is great. Thou it reports as a secured card. Capital one doesn't or opensky credit card. Those two report as credit card not secured. If you shop at speedway gas stations I advise getting it from them the secured speedway credit card. Almost same terms with speedway bounus points that's what I have. Other then that some service reps are rude when I call. That's all
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5 Star Rating
I have had this card about 6 months and they already increased my limit, without me even asking. Pay it on time and it works like a charm.
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Did you start with the secured card. I did and was advised when I opened it 08/2015 that I wouldn't be able to get the line increase unless I secured it. So it's at zero now and I have other unsecured ones. They never offered to keep the card open and refund the deposit so idk
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Review First National Bank of Omaha Secured Visa® Card
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Offer last updated: May 31st, 2023 at 12:12 ET
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PURCHASE INTRO APR
Not Offered
TRANSFER INTRO APR
Not Offered
REGULAR APR
29.99% (V)
ANNUAL FEE
$0
REWARDS RATE
None
BONUS OFFER
None
MINIMUM CREDIT