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Overstock.com secured MasterCard..some info

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pizza1
Community Leader
Super Contributor

Overstock.com secured MasterCard..some info

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. 

 

 

 

 

 

image.jpg

 

 

 

 

 

Message 1 of 13
12 REPLIES 12
elim
Senior Contributor

Re: Overstock.com secured MasterCard..some info

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?

Message 2 of 13
Anonymous
Not applicable

Re: Overstock.com secured MasterCard..some info

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.

Message 3 of 13
ddemari
Super Contributor

Re: Overstock.com secured MasterCard..some info

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. 

 

Message 4 of 13
pizza1
Community Leader
Super Contributor

Re: Overstock.com secured MasterCard..some info


@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!

Message 5 of 13
pizza1
Community Leader
Super Contributor

Re: Overstock.com secured MasterCard..some info


@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!! Smiley Happy  I hope someone that needs a decent secured card with a more respectable lender is able to get this!Smiley Happy

Message 6 of 13
Anonymous
Not applicable

Re: Overstock.com secured MasterCard..some info


@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?

Message 7 of 13
Anonymous
Not applicable

Re: Overstock.com secured MasterCard..some info

This is really interesting. Great find. I may need to recommend this to my sister!

Message 8 of 13
pizza1
Community Leader
Super Contributor

Re: Overstock.com secured MasterCard..some info


@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.

Message 9 of 13
ddemari
Super Contributor

Re: Overstock.com secured MasterCard..some info

Message 10 of 13
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.