FNBO Secured Visa® Credit Card Review

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The FNBO Secured Visa Credit Card offers cardholders flexibility by requesting your own credit limit, no annual fee, and a chance to qualify for a credit limit increase.

Secured Visa® Credit Card

Overall Rating
Secured Visa® Credit Card
Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Regular APR (%) 20.24% variable
Annual Fee $0
Ratings Breakdown
for Interest
for Fees
for Rewards
for Credit

Who Is This Credit Card Best For?

  • Avatar for Savvy Saver Persona
    Prioritizes sticking to their budget while buying what they want and need See more cards
    Savvy Saver
  • Avatar for Debt Warrior Persona
    Attacks existing balances while avoiding new debt See more cards
    Debt Warrior
  • Avatar for Credit Builder Persona
    Takes improving their finances seriously and wants recognition for using credit responsibly See more cards
    Credit Builder

The FNBO Secured Visa Credit Card could be a good fit if you’ve got balances on high-interest credit cards, and you want to transfer them to a card with 0% APR to save money on interest payments or help you pay down your debt sooner.

You won’t get rewards on purchases or other benefits, however, so look elsewhere if squashing debt isn’t your main goal. You must also be a resident in the bank’s footprint to get one of their cards. First National Bank of Omaha (FNBO) offers financial products in Colorado, Illinois, Iowa, Kansas, Nebraska, South Dakota, and Texas.

  • Solid 0% balance-transfer offer

  • Lower ongoing APR

  • No rewards or introductory APR on purchases

  • Balance transfer fee

  • Only available in certain states

Pros Explained

  • Solid 0% balance-transfer offer: There are some cards on the market offering a longer interest-free period on purchases and balance transfers—18 months—but they usually have higher ongoing APRs afterward. Fifteen months at a 0% APR is competitive, and you’ll even have the flexibility to make the transfers anytime during those 15 months. (More on this below.) 
  • Lower ongoing APR: After the interest-free promotion expires, your ongoing variable APR on any balances transferred will be up to 20.24%, with the best APR going to the most creditworthy. The card’s APR range is lower than the range found on many cards offering balance-transfer promotions.

Cons Explained

  • No rewards or introductory APR on purchases: Apart from the lower ongoing APR, this card falls short on a number of fronts. There are several cards with comparable balance-transfer periods that also offer cash back or other rewards on your purchases. Many competing cards also offer a 0% APR on purchases for the same 15 months.
  • Balance transfer fee: Since there are cards with longer promotional periods, FNBO could have sweetened its balance-transfer deal by waiving the associated fee—at least for a period of time—as some competitors do. Instead, the balance transfer fee is 3% of the transaction amount during the first 15 billing cycles and then 5%, with a $10 minimum.
  • Only available in certain states: Although you don’t have to be a First National Bank of Omaha customer to apply for this card, it’s only offered where the bank has retail branches: Nebraska, Colorado, Illinois, Iowa, Kansas, South Dakota, and Texas. 

The balance transfer offer applies to balances transferred anytime during the first 15 billing cycles. That gives you more flexibility than cards requiring you to make a move within the first few months, as most cards do. But remember, the longer you wait to make the transfers, the less time you’ll have to pay off your balance interest-free. (Some competing cards with shorter windows start the clock after you make the transfer.)

Bonus for New Cardholders

The FNBO Secured Visa Credit Card does not provide a welcome bonus at this time.

Customer Experience

As a retail banking institution, the First National Bank of Omaha was ranked among the best in the Midwest in J.D. Power’s 2021 customer satisfaction survey, scoring well in categories including convenience and communication.

Secured Visa Credit Card cardholders can reach customer representatives by phone 24/7. They can also access their FICO scores online for free each month.

Security Features 

The FNBO Secured Visa Credit Card has standard security features, including 24/7 fraud monitoring.


The FNBO Secured Visa Credit Card has pretty standard fees. The balance transfer fees aren’t unusual, although you can find better deals. (Some cards waive their balance-transfer fees initially or charge 3% indefinitely.) It’s also worth noting that this card tacks on a foreign transaction fee of 3%, so make sure to take an alternative if you’re traveling abroad.

Next Steps
For Secured Visa® Credit Card
Compare This Card
See how this card stacks up to the competition
Secured Visa® Credit Card
overall rating
Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Regular APR (%) 20.24% variable
Annual Fee $0
Our Methodology
At The Balance, we are dedicated to giving you unbiased, comprehensive credit card reviews. To do this, we collect data on hundreds of cards and score more than 55 features that affect your finances.
  • Our Reviews Are Always Impartial: No one can influence which cards we review, the way we present them to you, or the ratings they receive. The scores and reviews come directly from the data we collect and our editorial expertise, and we focus on three areas:
  • How Much Does It Cost? With credit card debt at an all-time high, we believe you should know the cost of carrying a balance. Because of that, we give regular purchase APRs significant weight in overall scores, and cards receive low marks if they have an array of pricey fees.
  • What Are the Rewards Worth? Cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely. To simplify the problem, we built a system that fairly compares rewards and gives them a dollar value. We do this by looking at the ways you can earn and use rewards, which includes evaluating Americans’ typical spending habits and analyzing common travel patterns.
  • Does It Make Your Life Easier? Our scoring system favors cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting customer service. Finally, we give preference to credit cards that have several tools for dealing with fraudulent charges.
  • For every review on The Balance, we hold the credit cards to these standards, and we set the bar high. While we recognize the appeal of splashy features like six-digit sign-up bonuses, our approach ensures that credit cards with the best combination of value, affordability, and accessibility receive the highest scores. See our full methodology for more details.

Article Sources

The Balance requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy .
  1. J.D. Power. "2021 Retail Banking Satisfaction Study." Accessed Oct. 23, 2021.