“Flat, Fast, and Rewarding: Why Evergreen by FNBO Stands Out”
About Evergreen by FNBO Credit Card
The Evergreen by FNBO Credit Card is a Visa Signature
card issued by First National Bank of Omaha (FNBO), offering an uncomplicated,
flat-rate rewards structure and useful cardholder perks.
Quick Overview
Flat 2 % Cash Back on All
Purchases
Earn unlimited 2 % cash back everywhere, every day.
- Sign-Up
Bonus
Receive a $200 bonus (equivalent to 20,000 points) when you spend $1,000 within the first 3 billing cycles. - No
Annual Fee
Enjoy the card with no annual charges. - Rewards
Never Expire
No worry about losing earned rewards—they don’t expire. - Flexible
Redemption Options
Redeem rewards as statement credits, ACH deposits to checking/savings or via mailed check. - Perks
& Additional Features
Includes contactless payments, mobile wallet compatibility, 24/7 fraud monitoring, Visa Zero Liability, roadside assistance (Roadside Dispatch), and global support. - Geographic
Eligibility
Only available to residents of states where FNBO operates: Colorado, Illinois, Iowa, Kansas, Nebraska, South Dakota, Texas, and Wyoming. - APR
& Fees (as of Dec 31, 2024)
- Purchase
APR: Varies by credit score—21.24 % (720+), ~28.74 % (620–719),
~29.24 % (619 or less)
- Foreign
Transaction Fee: 3 % of each purchase
- Late
Fees: $29 for first late payment; $40 if within six billing cycles of
another late payment
- Other
Fees: $35 returned payment fee; Cash equivalent fee $15 or 5 %
(whichever is greater)
Direct Link To Offer
Is This Offer Profitable for Customers ?
Yes, but with caveats. Here's a breakdown:
Strengths:
- Simplicity
and Consistency: 2 % cash back across all spending simplifies rewards
tracking and pairs well with bonus-category cards.
- Strong
Sign-Up Bonus: $200 bonus is competitive relative to similar cards.
- No
Fees & Reward Longevity: No annual fee and never-expiring rewards
add long-term value.
- Valuable
Cardholder Perks: Roadside assistance, fraud protection, and zero
liability make it stand out.
Potential Downsides:
- Limited
Availability: Only available in select states; applicants outside
these areas cannot apply.
- Interest
& Fee Structure: High variable APRs, foreign transaction fees, and
other charges could diminish rewards value, especially if balances carry
over.
- Reported
Limit Reductions: Some users online report unexpected credit limit
reductions. For example, one shared having their limit slashed from $6,900
to $1,900 despite good payment history.
Review
For U.S. residents in eligible states who pay off their balance in full each
month, the Evergreen by FNBO Credit Card offers clean, flat-rate value
with perennially strong rewards and a solid sign-up bonus. It’s profitable and
user-friendly—just watch out for eligibility limitations and fees if your
circumstances involve carrying a balance or international use.
