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
Under review
Current claim suppressed
Spend Requirement
Under review
Annual Fee
Under review
Last recorded terms remain in the history below
Credit Score
670+
(Good)
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 |
|---|---|---|---|---|
| 2026-06 | $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 ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-06-11 · spot an outdated offer? Report a correction above.
Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 2xAll purchasesUnlimited
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦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 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.
Rate this card
Be the first to rate it
Commentson Evergreen
Comments are stored in your browser during our community preview. Accounts, moderation and cross-device sync arrive with Credit Compound Community.