Full Review

If your credit score sits on the low end of the spectrum, the Secured Visa® Card is a solid way to start building credit. All you need to apply is a US address and Social Security number, and the card comes with free monthly FICO credit checks to help you maintain or improve your financial well-being.

With First National’s Secured Visa® Card, you request your own credit limit with a deposit as low as $300 and up to $5,000. With on-time payments, you could qualify for a credit limit increase without an additional deposit in as few as seven months. And with an excellent payment history, you might even get your deposit back in less than a year.

But you’ll need to be a resident of the seven states First National services: Nebraska, Colorado, Illinois, Iowa, Kansas, South Dakota and Texas.

Highlights

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.


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First National Bank of Omaha Secured Visa® Card Review

Sams Credit Card

The Sam’s Club Credit Card, issued by Synchrony Bank, is a basic store credit card for Sam’s Club members with a less-than-stellar credit profile. The Sam’s Club Credit Card can only be used at Sam’s Club and Walmart stores and doesn’t offer any rewards on purchases, so it’s mainly for borrowers who aren’t likely to qualify for a better credit card that can be used more broadly. If your credit is just fair (if you have a FICO score of 580 to 669) and you shop at Sam’s Club and Walmart frequently, this card can be a worthwhile financing tool, albeit with a steep interest rate.

Big Lots Credit Card

The Big Lots Credit Card is a good choice for frequent Big Lots shoppers who want the flexibility to pay for their purchases over time. If you can handle the deferred-interest financing deals properly, you can save a lot of money and gain the flexibility around paying your credit card bill. Most people, however, will be better off with a cash-back card that works anywhere and earns rewards of some kind. Try the CardCruncher tool to find the right card for you.

Surge Mastercard Credit Card

The Surge Mastercard® is one of the easiest credit cards to get if you have bad credit, but the card's annual and monthly fees may reduce its appeal. If you're considering the Surge Mastercard® to build credit, here's what you need to know before you submit your application.

Menards BIG Credit Card

Menards has been one of the leading stores for home improvements for over five decades now. Many people rely on this store for their home improvement needs where they spend thousands of dollars. The Menards Big Card is designed to help all the Menards loyalists to get more rewards from making their purchases in the store and a few other selected gas stations. The card offers different types of rewards from cash back to in-store financing making it a very valuable tool especially if you tend to do a lot of home improvement.

Stein Mart Credit Card

The Stein Mart Platinum Mastercard® offers additional savings on items that fly off the rack at the discount retailer's store.The card, issued by Synchrony Bank, earns rewards at the retailer online and in-store and everywhere that Mastercard is accepted. It also offers perks such as exclusive savings events, birthday surprises and the chance to earn even more rewards with Elite status. The card's annual fee is $0.

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How to Apply For First National Bank of Omaha Secured Visa® Card
OnlineVisit First National Bank’s site and find the Secured Visa® Card in the Credit Cards tab. Click Apply Now.Complete the application with your personal contact, ID, housing and financial information. Add any authorized users, and then supply your deposit information, including your bank accou

First National Bank of Omaha Secured Visa® Card
The First National Bank Secured Visa Card is a secured credit card. People with bad credit can use this card to establish or rebuild credit. You can request your own credit limit with a security deposit between $300 and $5,000. This deposit may be returned automatically in as little as 11 months when you make your payments on time. Regular, on-time payments can also help you qualify for a credit limit increase without an additional deposit in as little as seven months. Cardholder benefits include a free FICO credit score each month, fraud protection and zero liability coverage.
First National Bank of Omaha Secured Visa® Card

How to Get the Most Out of First National Bank of Omaha Secured Visa® Card
With no monthly and annual fees, it’s easy to get the most out of this card. Start by setting up a credit limit that works for your budget — anywhere from the $300 minimum to a high $5,000 in $50 increments. Reasonable APRs and low fees make it easy to stay on top of your payments.It also reward

First National Bank of Omaha Secured Visa® Card Payment
OnlineWhen you enroll or log in to your account online you can make payments from any device that are secure, timely and free. Easily schedule one time payments or recurring monthly payments to your account. Remember you must pay at least the minimum payment due that is located on your monthly state