FNBO Evergreen credit card is a Visa card with contactless payments feature. It is offered by First National Bank of Omaha, also known as FNBO. If you compare it with the FNBO Secured Credit card and FNBO Getaway card, then Evergreen is the best card. Other banks, however, can offer similar cards with much better benefits.

First benefit of the FNBO credit card is a one time 20,000 points signup bonus. These 20,000 points are worth $200. You can get the bonus after you spend $1,000 within the first 3 months of account opening. While this bonus is definitely a nice thing, some credit cards can give $200 when you spend only $500.

Second benefit of Evergreen FNBO credit card is 0% intro APR for the first 12 months after you get the card. Current inflation rate makes the offer super attractive. If you must buy something anyway and have money right away you can do the following. Put money in a high interest savings account and pay off the balance over the following 12 months. However, there are credit cards that offer 15 and 21 months intro APR.

Third benefit is a flat 2% cashback. There are no special categories to earn more cashback. In this sense FNBO Evergreen credit card is similar to Wells Fargo Active Cash with its flat 2% cashback.

You can redeem FNBO Reward points in $25 increments. The options are statement credit, ACH deposit to your checking account or as a gift card.

To be approved for this credit card you need a good credit score. When you apply for the card FNBO makes a hard pull. The credit inquiry may result in a small dip in your credit score, but should go up after the first payment. When available credit limit increases, credit utilization goes down which in its turn raises your credit score.

FNBO Evergreen credit card has no annual fee. It is a great benefit that is expected from this kind of card.

Balance transfer will cost you $10 or 5% fee. It is too expensive in my opinion. Many credit cards charge you only 3% for balance transfer. Cash advance at the same time cost $15 or 5% fee.

I would suggest using this card only to receive the signup bonus and leverage 12 months intro APR. After this, using the FNBO Evergreen credit card makes no sense.