Get the credit card that helps you to start fresh by building or rebuilding credit.
$35 annual fee.1
Variable 21.99% Annual Percentage Rate (APR)1 on purchases based on the Prime Rate.
Request your own credit limit by providing a single deposit between $300 and $5,000 (multiples of $50) when you apply, subject to credit approval.
In as little as 11 months, you may qualify for an unsecured card and have your deposit automatically refunded to you when you maintain a good payment history on your Secured Visa Card and meet new credit card account credit approval.
Please see the Summary of Credit Terms for important information on rates, fees, costs, conditions and limitations.
1 For additional information about Annual Percentage Rates (APRs), fees and other costs, please see the Summary of Credit Terms. Your minimum payment will be applied to balances starting with the lowest APR first. Amounts paid in excess of the minimum payment will be applied to balances starting with the highest APR first.
Cards are issued by First Bankcard®, a division of First National Bank of Omaha, pursuant to a license from VISA U.S.A. Inc. VISA is a registered trademark of Visa International Service Association and used under license.
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The Index used to determine your variable APRs is the highest U.S. Prime Rate as published in the "Money Rates" section of The Wall Street Journal during the 90 days immediately preceding the last day of each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the May determination date.
Your credit limit is the amount you deposit, and you can increase it by adding more money to your deposit.
The Index used to determine your variable APRs is the U.S. Prime Rate shown in the "Money Rates" section of The Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published in The Wall Street Journal in May.
FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. Please note, new cardholders will generally see their FICO® Bankcard Score 9, the version of FICO® Score used to manage your account, within 45 days of account opening.