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Friday, October 23, 2026 Independent since 2026. We are not a lender.
Hub for Credit

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Speedy Rewards Secured Mastercard® from FNBO: deposit, fees and APR

Fact sheet for the Speedy Rewards Secured Mastercard®, issued by FNBO, with a $30 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.

IssuerFNBO
NetworkMastercard
Annual fee$30 a year
RewardsPoints: 50 Points per $1 spent at Speedway on fuel and in-store, on top of the points you earn as a Speedy Rewards Member (excluding Speedway Express locations); 10 Points per $1 spent on other purchases anywhere Mastercard is accepted; no limit on points earned
Purchase APR30.24% when you open your account. This APR will vary with the market based on the Prime Rate.
Sign-up bonusEarn 25,000 Bonus Points when you spend $500 or more in the first 3 billing cycles after account opening
Foreign transaction fee3% of each transaction
Credit levelExcellent, Good, Poor (tiers the issuer reports to the CFPB)
SecuredYes, 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 30.99%. 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.

Similar cards

Checked on October 16, 2026 on the issuer's official site. Terms change: confirm before you apply. card.fnbo.com/landing/speedway/secured · firstbankcard.com/lynx

See all cards

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Every article is checked against primary sources: the Consumer Financial Protection Bureau, the Federal Reserve and issuer terms. When a number changes, we update the piece and say when.

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Some pages contain partner links that may earn us a commission. This never changes what we publish and costs you nothing. No lender pays for placement or for a better review, and nobody outside our editorial team sees a piece before it runs.

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Hub for Credit publishes independent information about credit cards, loans, and consumer finance. We are not a bank, a lender, or a card issuer, we do not extend credit, and we do not broker applications. Nothing here is personalized financial advice.