FNBO Getaway credit card is a greenish MasterCard that with features like security EMV chip and contactless payments technology.
The card is the next step after you have improved your credit score to at least 620 points. Even though the credit card has low minimum credit score requirement it is not a secured credit card. Getaway card requires no security deposit and no need for an annual fee. Which is a very nice thing.
The most noticeable benefit of this FNBO credit card is 0% intro APR for 12 months. It means you can make only minimum payments for 11 months and put the rest of the money into a high interest savings account. Then after 12 months you can pay off the balance from this savings account and avoid its regular 27% APR.
The cash back of the Getaway card is OK, but not great. You can earn 3 points on travel, dining, and gas. Which is fine if you don’t have alternatives. Also you can get only 1 point cashback on everything else.
One point is worth 1 cent. So you can redeem the reward points for cashback as a statement credit or ACH deposit. But you can redeem not less than $25.
There are few additional benefits like airport concierge and global services. Airport concierge gives you 15% discount on personalized airport services. For example, you can get a dedicated agent to escort you through more than 700 airports of the whole flat world. I would expect this benefit from a premium credit card like American Express Platinum or Chase Sapphire Reserve. Why would someone with FNBO Getaway Credit Card need such a service?
Global services can provide you card replacement or emergency cash if you are stuck somewhere in a foreign country. The benefit is so rarely used, that mentioning it makes no sense in my opinion.
FNBO Getaway Credit Card has no foreign transaction fee and no annual fee. But it has a balance transfer fee. It is $10 or 5% of the amount of balance transfer. Cash advance fee is $15 or 5% and late payment fee is $40 and returned payment is $35.
FNBO Getaway Credit Card has numerous competitors with much better benefits. Its 15% discount on personalized airport services makes no sense. Target audience of this card is not in a position to buy luxury services.