First National Bank Of Omaha Evergreen(R) by FNBO Visa® Card

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.

Web

fnbo.com

Purchase interest rate and fees

20.74% – 29.24%*

*As of Dec. 31, 2024. 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	28.74%	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

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

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

29.24% – 29.74%*

+

$15 or 5%

*As of Dec. 31, 2024. Advertised cash advance APRs change over time. Check rates before applying.

The median cash advance APR for this card is 29.74%.

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.