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This is for informational purposes only, for anyone that might be interested in a secured card. As far I know, the only way to get this secured card version is to directly apply for the Overstock.com MasterCard, and if denied, you might get the secured card offer like I did. EDIT: See below, you can apply for it now!
I will also state that I applied last year(not recently), was denied, (pulled EX for me), and they have been sending me the emails for the secured version about every month now. It's not a bad little secured card actually, compared to some out there. Thought I'd post the particulars of the card for people interested. I don't have plans to apply for this card, just thought I'd share! 😃💳😃💳
Card is by First Bank Card, a division of FNBO
1. AF only $19. (Low compared to most).
2. Min. Deposit amount is $300-$5k.
3. Free Fico 08 score monthly (1st score will appear after 45 days of opening).
4. Earns rewards: 3%/$1 spent on OS purchases
2%/$1 spent on gas & groceries
1% in everything else
5. Graduates in as little as 11 months, and once graduated, the AF is waived going forward, and deposit returned.
Wow! I wish we could find a direct app link for that card. Thanks P for the info... I'm helping someone rebuild now. and wonder how many people get the offer?
2% back on gas and groceries is good if you travel and have a large family.
AF isn't that high, and is waived going forward like you said, and also graduates unlike many secured cards out there.
Overall, I think that's a good option for those willing to build credit who do regular shopping on Overstock.com.
I think it's Amazon's turn to offer a secured credit card now.
you can apply for the secured version directly.
http://www.overstock.com/64567/static.html?cboffer=005&subagentcode=004&uuidcode=RM813DK3L23JV
its not a bad card I dont think! and definitely worth it if you can get in with FNBO that way. They have a speedy rewards secured mastercard too and probably many others.
@elim wrote:Wow! I wish we could find a direct app link for that card. Thanks P for the info... I'm helping someone rebuild now. and wonder how many people get the offer?
I just saw the link on the OS website!! People can apply for it now!!
Go to the website.....Click on apply for the OS Mastercard.......towards the bottom youll see a link that says "credit problems? you can still earn rewards!"...you can directly apply now!
@ddemari wrote:you can apply for the secured version directly.
http://www.overstock.com/64567/static.html?cboffer=005&subagentcode=004&uuidcode=RM813DK3L23JV
its not a bad card I dont think! and definitely worth it if you can get in with FNBO that way. They have a speedy rewards secured mastercard too and probably many others.
LOL..we posted at the same time D!!
I hope someone that needs a decent secured card with a more respectable lender is able to get this!![]()
@ddemari wrote:you can apply for the secured version directly.
http://www.overstock.com/64567/static.html?cboffer=005&subagentcode=004&uuidcode=RM813DK3L23JV
its not a bad card I dont think! and definitely worth it if you can get in with FNBO that way. They have a speedy rewards secured mastercard too and probably many others.
Do you know if the Speedy Rewards Card unsecures or graduates?
This is really interesting. Great find. I may need to recommend this to my sister!
@Anonymous wrote:This is really interesting. Great find. I may need to recommend this to my sister!
if you shop on OS a lot its not a bad card.
speedy rewards can unsecure at 11 months also.
https://www.firstbankcard.com/common/dynamicapp/personalbanker/speedway/secured/index.html