FNBO Rewards Secured Credit Card (Secured Visa® Card): deposit, fees and APR
Fact sheet for the FNBO Rewards Secured Credit Card (Secured Visa® Card), issued by FNBO, with no annual fee and points. Every detail below comes from the issuer’s pricing and terms pages, checked on the date shown at the end of the page.
| Issuer | FNBO |
|---|---|
| Network | Visa |
| Annual fee | $0 |
| Rewards | Points: Earn unlimited 1X point per $1 spent on every purchase |
| Purchase APR | 23.74% when you open your account. This APR will vary with the market based on the Prime Rate. |
| Balance transfer fee | Either $10 or 5% of the amount of each transfer, whichever is greater |
| Foreign transaction fee | 3% of each transaction |
| Credit level | Excellent, Good, Poor (tiers the issuer reports to the CFPB) |
| Secured | Yes, a refundable deposit sets the limit |
What new cardholders actually got
In the CFPB's Terms of Credit Card Plans survey for July to December 2025, new accounts on this card got a median purchase APR of 24.49%, with a range of 23.99% to 24.49%. The advertised range above is what the issuer offers today; the survey shows where approved applicants landed.
Source: Consumer Financial Protection Bureau, Terms of Credit Card Plans survey.
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Checked on October 16, 2026 on the issuer's official site. Terms change: confirm before you apply. fnbo.com/personal-banking/credit-cards/vis… · firstbankcard.com/lynx