FNBO Evergreen Visa
By Alex Compton · Last verified
A flat 2% everywhere with a real $200 bonus, from the biggest bank nobody talks about.
Welcome Bonus
$200
≈$200 value
Spend Requirement
$1,000
in 3 months
Annual Fee
$0
3% FTF
Credit Score
670+
(Good)
Current offer note: $200 bonus (20,000 points) after $1,000 in the first 3 billing cycles
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-12 | $200 | $1,000 in 3 mo | Terms reconfirmed$200 bonus (20,000 points) after $1,000 in the first 3 billing cycles | FNBO Evergreen product page → |
| 2026-06 | $200 | $1,000 in 3 mo | Terms reconfirmed | Archive record · no attached snapshot |
| 2023-01 | $200 | $1,000 in 3 mo | Earliest record | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- changed
$200 after $1,000 in 3 cycles and 2% unlimited confirmed; intro APR claim no longer on page, availability is ZIP-gated
Fields: benefits
FNBO Evergreen product page →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
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Earning Rates
- 2xAll purchasesUnlimited
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Redeem as statement credit, ACH deposit or check
- ✦Availability is checked by ZIP code on FNBO's application page
- ✦$200 bonus is rare among flat 2% cards, most offer nothing
Why it earns its spot
- +2% everywhere plus a $200 bonus matches Double Cash's current welcome value and beats Active Cash's current $100 offer on year-one math
- +Cash redemption options with no minimums worth fighting
- +No annual fee
Where it costs you
- −Availability has historically skewed to FNBO footprint states; check before applying
- −3% foreign transaction fee
- −Thin perks beyond the earn rate
The Compound Verdict
The quiet overachiever of the 2% category: same flat rate as the famous names plus a $200 welcome bonus they refuse to match. FNBO underwrites conservatively and its footprint rules have confused applicants for years, so confirm eligibility first. If approved, this is a top-three flat-rate card on pure numbers.
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