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First National Bank Of Omaha

Evergreen(R) by FNBO Visa® Card

This credit card is recommended for people with the following credit scores: 619 or less, 620-719, and 720+

State-by-state
Availability
  • To apply, you must live in Colorado, Illinois, Iowa, Kansas, Nebraska, South Dakota, Texas, and Wyoming

Review details with the company before applying

APRs change over time and are specific to the applicant. Check rates before applying.

Purchase interest rate and fees

21.24% – 29.24%* Purchase APR

*As of . Advertised purchase APRs change over time and are specific to the applicant, based on your credit score. Check rates before applying.

Here are typical APRs for different credit scores for this card:

Credit score Median purchase APR Comparison to other cards
619 or less 29.24%
2 dollar sign symbols
Pay average interest
620-719 26.24%
2 dollar sign symbols
Pay average interest
720+ 21.24%
2 dollar sign symbols
Pay average interest

After opening the credit card, the purchase APR is variable, meaning it can go up or down based on the index listed in the details below. Learn more about APRs in general and about fixed versus variable APRs.

Foreign transaction fee
3% of each purchase
Minimum finance charge
A minimum interest payment of $1.75 is required to avoid additional fees
Grace period
21 days until interest begins to accrue on purchases
Balance computation method
Monthly interest is calculated based on your average daily balance including new purchases
Purchase APR index
The purchase APR varies depending on the value of the prime index

Learn more about how credit card interest is calculated.

Fees

$0 Annual fee
Late fee
$29 for the first late payment and $40 for a late payment within six billing cycles of another late payment
Late fee policy details
Late Fee cannot exceed the minimum payment due.
Over-limit fee
None
Returned Payment (Payment Dishonored Fee)
$35 (When a payment is returned/payment didn't clear)
Cash Equivalent Fee
$15 (Amount Charged is $15 or 5% of the amount of each cash equivalent transaction, whichever is greater. When the card is used to purchase travelers checks, money orders, or conduct wire transfers, or for similar products or services.)

Rewards and perks

Cash back Rewards
Services
  • Access to Free Credit Scores
  • Discounts on purchases of goods and services (non travel related)
  • Roadside Dispatch, Visa Global Services, ID Theft Protection
Card features
  • Contactless Payments
  • Chip card
  • Mobile wallet provisioning (for example, Apple Pay)

Did you know: If you carry a balance on your credit card, interest and fees typically exceed the value of any rewards earned. Learn why rewards may not be as beneficial as they seem.

Balance transfer interest rate and fees

This card does not offer balance transfers.

Cash advance interest rate and fees

29.74%* Cash advance APR
+
$15 or 5% Cash advance fee

*As of . Advertised cash advance APRs change over time. Check rates before applying.

The cash advance fee is charged for each cash advance.

Did you know: If you use your card to transfer a balance or get a cash advance, you may have to start paying interest on some or all of your total balance, including new purchases, as of the date of the transaction.