First National Secured Credit Card – Complete Guide for 2025. If you’re working on building or repairing your credit, one of the smartest financial tools you can use is a secured credit card. Among the many options available in 2025, the First National Secured Credit Card has gained popularity for its reliability, competitive terms, and straightforward approach to helping consumers establish a solid credit history.
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First National Secured Credit Card – Complete Guide for 2025
If you’re working on building or repairing your credit, one of the smartest financial tools you can use is a secured credit card. Among the many options available in 2025, the First National Secured Credit Card has gained popularity for its reliability, competitive terms, and straightforward approach to helping consumers establish a solid credit history.
In this guide, we’ll cover everything you need to know about the First National Secured Credit Card—from features and benefits to eligibility, pros and cons, and strategies for maximizing your credit-building journey. Additionally, we’ll highlight the importance of pairing smart credit usage with health insurance protection to safeguard your overall financial well-being. You can explore plans through Healthcare.gov.
What is the First National Secured Credit Card?
The First National Secured Credit Card is issued by First National Bank of Omaha (FNBO), one of the largest privately held banks in the U.S. This secured card allows you to build or rebuild credit while enjoying many of the same perks as traditional credit cards.
Like other secured cards, it requires a refundable security deposit, which acts as collateral for your credit limit. Over time, responsible use can help you qualify for an unsecured credit card.
Key Features of the First National Secured Credit Card (2025 Update)
- Credit Limit: $300–$5,000 (based on security deposit).
- Annual Fee: $35.
- APR (Annual Percentage Rate): Around 22.99% variable APR.
- Security Deposit: Refundable when the account is closed in good standing.
- Reports to All 3 Credit Bureaus: Experian, Equifax, and TransUnion.
- Worldwide Acceptance: Accepted anywhere Visa is accepted.
- Credit Monitoring Tools: Free access to FICO® score and educational resources.
- Upgrade Path: May graduate to unsecured FNBO credit cards with responsible use.
Eligibility Criteria
To apply for the First National Secured Credit Card, you need to:
- Be at least 18 years old.
- Provide a Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN).
- Make a refundable deposit of at least $300.
- Have a checking or savings account for funding the deposit.
- Meet FNBO’s identity verification requirements.
How to Apply for the First National Secured Card
- Visit FNBO’s Website – Start your application online.
- Provide Personal Information – Include SSN, employment status, and income details.
- Choose Deposit Amount – Decide between $300–$5,000 based on your desired credit limit.
- Fund Security Deposit – Pay via bank transfer or debit card.
- Receive Your Card – Once approved, your card is shipped within 7–10 business days.
Advantages of the First National Secured Credit Card
Pros ✅
- Reports to all three major credit bureaus.
- Credit limit up to $5,000 (higher than many secured cards).
- Free FICO® score access.
- Upgrade potential to unsecured cards.
- Accepted globally with Visa network.
Cons ❌
- Annual fee of $35.
- Higher APR compared to some competitors.
- No rewards program on the secured version.
First National Secured Card vs. Competitors
| Feature | First National Secured | Discover it Secured | Capital One Secured |
| Annual Fee | $35 | $0 | $0 |
| Min Deposit | $300 | $200 | $49–$200 |
| Max Deposit | $5,000 | $2,500 | $1,000 |
| APR | ~22.99% | ~27% | ~29% |
| Rewards | No | Yes (cashback) | No |
| Global Use | Excellent | Good | Good |
Best Practices for Using the First National Secured Card
- Always Pay On Time: Payment history makes up 35% of your credit score.
- Use Low Credit Utilization: Keep balances below 30% of your limit.
- Review Credit Reports: Monitor for errors and track improvements.
- Gradually Increase Deposit: Raise your limit as your finances improve.
- Ask About Graduation: After 12–18 months, request an upgrade to an unsecured card.
Why Combine Credit Building with Health Insurance?
Financial stability is not just about credit—it’s about protecting yourself from unexpected setbacks. Without health insurance, medical bills can quickly push you into debt, erasing progress made with responsible credit building.
To secure your health and finances, explore affordable health insurance coverage at Healthcare.gov.
Final Thoughts
The First National Secured Credit Card is a reliable choice for people serious about improving their credit in 2025. With a credit limit up to $5,000, free credit monitoring, and global acceptance, it offers more flexibility than many competitors.
While the annual fee and lack of rewards are drawbacks, its strong credit-building potential makes it a valuable tool. Pair it with comprehensive health insurance for a complete approach to financial wellness.
FAQs on First National Secured Credit Card
Q1. What is the minimum deposit for the First National Secured Credit Card?
The minimum deposit required is $300.
Q2. Does this card charge an annual fee?
Yes, there is a $35 annual fee.
Q3. Can I get rewards with this secured card?
No, the secured version does not include rewards.
Q4. How long until I can upgrade to an unsecured card?
Generally after 12–18 months of responsible usage.
Q5. Does FNBO report to all three major credit bureaus?
Yes, they report to Experian, Equifax, and TransUnion.
