SCHEELS® Secured Visa® Card from FNBO: deposit, fees and APR
Fact sheet for the SCHEELS® Secured Visa® Card, issued by FNBO, with a $35 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 | $35 a year |
| Rewards | Points: 3X points per $1 spent on SCHEELS purchases; 1X point per $1 spent everywhere else; get a $25 SCHEELS gift card automatically for every 2,500 points you earn |
| Purchase APR | For all other purchases: 26.24% 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 26.99%, with a range of 26.49% to 26.99%. 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. card.fnbo.com/landing/scheels/scheels-secured · firstbankcard.com/lynx