FNBO Business Edition® Secured Mastercard® credit card

Reports to Dun & Bradstreet

First National Bank of Omaha offers a secured business credit card that reports to Dun & Bradstreet.

This is a good starter card for building business credit with D&B.

Issued by First National Bank of Omaha

Overview/Requirements

  • Credit check (Experian) and personal guarantee required
  • Request credit limit between $2,000 and $100,000 (multiples of $50)
  • Security deposit is 110% of the amount of your credit limit between $2,200 and $110,000
  • 23.99% variable APR
  • $39 annual fee
  • Earn interest on your security deposit

Business Credit:

  • Reports to Dun & Bradstreet

To apply go to => https://www.fnbo.com

  • 1

    No Personal Guarantor

    What is a personal guarantee? A personal guarantee is a written promise from a business owner guaranteeing that payment will be made in the event that the business fails to pay.
    Whether the business enters into a lease, applies for a business loan or line of credit, you’ll find that many creditors will require a personal guarantee to secure financing especially if you’re a small business.
    Corporate charge cards have certain revenue requirements that is large enough and profitable enough that no personal guarantor is required.

  • 2

    Obtaining a Corporate Card

    Obtaining a corporate credit card account for your business will often require a conversation with a corporate account manager. Be prepared to provide data and documents about your company's financials, including revenue statements and bank account information prior to applying.

  • 3

    Waivable Personal Guarantee Requirements

    In some cases, you don't need to meet million dollar+ revenue requirements to obtain a corporate charge card. A small number of charge cards such as the Smart Corporate Card, Brex & Ramp (listed here) have much lower dollar amounts.
    There are also retail co-branded business credit cards that offer the option to waive the pg requirement such as the Sam Club Business Credit Card.