FNBO Evergreen Visa
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 cash bonus 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.
Last verified 2026-06-11 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 2xAll purchases
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Redeem as statement credit, ACH deposit or check
- ✦0% intro APR for 6 billing cycles on purchases
- ✦$200 bonus is rare among flat 2% cards, most offer nothing
Why it earns its spot
- +2% everywhere plus a $200 bonus beats Double Cash and Active Cash 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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