Cash Back
FNBO Evergreen℠ Rewards Credit Card: Is 1.5{06c74c548824f8a36fd1b48c41bd9daf477d0630e5dcdf56fcc1ccda071a9a37} Back Worth the Annual Fee?
RS
Rachel Simmons
June 18, 2025
7 min read
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Honest, In-Depth Reviews of Every FNBO Card.
Independent Editorial · FNBO Cards
Cut Through the Fine Print — FNBO Card Reviews You Can Trust
frbo-card is a fully independent review platform — we are not affiliated with First National Bank of Omaha and accept zero sponsorships from card issuers.
Every rating is built from real cardholder data, fee schedules, and reward analyses — so you can choose the right FNBO card with confidence.
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Updated 2026
frbo-card Top Picks · 2025
See all reviewsThe Best FNBO Cards Right Now
★ Editors' ChoiceBest for Cash Back
FNBO Evergreen℠ Card
4.8/5
A flat 2{06c74c548824f8a36fd1b48c41bd9daf477d0630e5dcdf56fcc1ccda071a9a37} cash back on every purchase with no annual fee makes this the easiest choice for everyday spenders.
Read Full Review
Top Travel PickBest for Travel Rewards
FNBO Visa Signature® Travel Card
4.6/5
Earn 3x points on travel and dining, plus a generous sign-up bonus that offsets the first year's fee many times over.
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Best APR DealBest for 0{06c74c548824f8a36fd1b48c41bd9daf477d0630e5dcdf56fcc1ccda071a9a37} Intro APR
FNBO Platinum Edition® Card
4.5/5
An industry-leading 15-month 0{06c74c548824f8a36fd1b48c41bd9daf477d0630e5dcdf56fcc1ccda071a9a37} intro APR period gives debt consolidators and big purchasers a genuine financial breathing room.
Read Full ReviewSwipe to explore more picks →
Ratings reflect frbo-card's independent editorial assessment based on publicly available card terms as of June 2025. We are not affiliated with FNBO. Card terms may change — verify details on the issuer's official site before applying.
Our Methodology
How We Rate FNBO Cards
Every score is produced through a consistent, data-driven framework. No card issuer pays to influence our rankings — ever.
Factor 01
Annual Fee Analysis
We calculate the true net value of each card after subtracting its annual fee from projected rewards and benefits. A high fee only earns a strong score when the perks genuinely justify the cost for real cardholders.
Factor 02
APR & Interest Costs
We model the total interest burden across multiple borrower profiles, from revolvers carrying a balance to users who pay in full each month. Purchase APR, balance transfer rates, and penalty APRs are all factored in.
Factor 03
Rewards Earning Rate
Our analysts benchmark each card's earning structure against average U.S. household spending patterns across groceries, gas, dining, travel, and general purchases. We express every card's value in clear cents-per-dollar terms.
Factor 04
Cardholder Perks
Travel protections, purchase warranties, concierge access, cell phone coverage, and statement credits are each assigned a monetary value based on realistic usage frequency. We never inflate perk values to favor a particular issuer.
Scores are independently calculated. frbo-card does not accept payment from card issuers or affiliate networks to alter, improve, or suppress any rating. Our editorial team applies the same four-factor framework to every FNBO card reviewed on this site.
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Side-by-Side Comparison
FNBO Card Comparison Table
Every detail that matters — annual fees, APR ranges, sign-up bonuses, and rewards rates — distilled into one transparent overview. Scores reflect our editorial methodology.
Swipe right to see all columns
| Card Name | Annual Fee | Regular APR | Sign-Up Bonus | Rewards Rate | Overall Score |
|---|---|---|---|---|---|
FNBO Evergreen℠ Visa®Top PickEditor's #1 Choice | $0 | 19.99{06c74c548824f8a36fd1b48c41bd9daf477d0630e5dcdf56fcc1ccda071a9a37} – 29.99{06c74c548824f8a36fd1b48c41bd9daf477d0630e5dcdf56fcc1ccda071a9a37} | $200 cash back after $1,000 spend in first 90 days | 2{06c74c548824f8a36fd1b48c41bd9daf477d0630e5dcdf56fcc1ccda071a9a37} cash back on all purchases | 4.6 |
FNBO Platinum Edition® Visa® | $0 | 15.99{06c74c548824f8a36fd1b48c41bd9daf477d0630e5dcdf56fcc1ccda071a9a37} – 25.99{06c74c548824f8a36fd1b48c41bd9daf477d0630e5dcdf56fcc1ccda071a9a37} | 0{06c74c548824f8a36fd1b48c41bd9daf477d0630e5dcdf56fcc1ccda071a9a37} intro APR for 15 months | No rewards program | 3.9 |
FNBO Travel Rewards Visa® | $0 | 20.99{06c74c548824f8a36fd1b48c41bd9daf477d0630e5dcdf56fcc1ccda071a9a37} – 29.99{06c74c548824f8a36fd1b48c41bd9daf477d0630e5dcdf56fcc1ccda071a9a37} | 20,000 pts after $2,000 spend in first 90 days | 3x pts on travel & dining, 1x on all else | 4.3 |
FNBO Secured Visa® | $0 | 24.99{06c74c548824f8a36fd1b48c41bd9daf477d0630e5dcdf56fcc1ccda071a9a37} | None | 1{06c74c548824f8a36fd1b48c41bd9daf477d0630e5dcdf56fcc1ccda071a9a37} cash back on eligible purchases | 3.7 |
FNBO Business Edition® Visa® | $0 | 21.99{06c74c548824f8a36fd1b48c41bd9daf477d0630e5dcdf56fcc1ccda071a9a37} – 29.99{06c74c548824f8a36fd1b48c41bd9daf477d0630e5dcdf56fcc1ccda071a9a37} | $300 cash back after $3,000 spend in first 90 days | 2{06c74c548824f8a36fd1b48c41bd9daf477d0630e5dcdf56fcc1ccda071a9a37} on business supplies & fuel, 1{06c74c548824f8a36fd1b48c41bd9daf477d0630e5dcdf56fcc1ccda071a9a37} all else | 4.1 |
Methodology note: Overall scores are compiled from our editorial rubric covering fees, APR competitiveness, rewards value, credit-building features, and cardholder experience. Rates shown are representative ranges as of June 2025 and subject to creditworthiness. Always verify current terms with FNBO directly.
Read full reviewsFNBO cards occupy a genuinely underrated position in the market. While the big banks dominate headlines, FNBO quietly delivers competitive rewards structures, transparent fee schedules, and credit-building tools that outperform peers at every tier. In 2026, that consistency is rarer — and more valuable — than ever.
Daniel Marsh
Lead Card Analyst, frbo-card
12 years in consumer credit research · CFA Charterholder
47+
FNBO cards reviewed in depth
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All editorial opinions are independently formed. frbo-card maintains strict separation between advertiser relationships and review scores.
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