| Category | Rate | Type | Cap |
|---|---|---|---|
|
All Purchases
Unlimited 2% cash back on every purchase with no bonus categories, no spending caps, and no category restrictions. Cash back is earned as Evergreen Rewards points redeemable for cash back, statement credits, gift cards, travel, and merchandise.
|
2x | Cash Back | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
0% Intro APR on Balance Transfers
Enjoy a 0% introductory APR on balance transfers for the first 12 billing cycles from account opening. A balance transfer fee applies.
|
Financial | 0% for 12 billing cycles |
|
0% Intro APR on Purchases
Enjoy a 0% introductory APR on purchases for the first 12 billing cycles from account opening. After the intro period, a variable APR applies based on creditworthiness.
|
Financial | 0% for 12 billing cycles |
|
No Annual Fee
The Evergreen Rewards Visa® Credit Card has no annual fee to open or maintain the account.
|
Financial |
$0 annual fee
Up to $0
|
|
No Foreign Transaction Fee
No foreign transaction fees are charged on purchases made outside the United States, making this card suitable for international travel and purchases.
|
Financial |
$0 foreign transaction fee
Up to $0
|
|
Auto Rental Collision Damage Waiver
Provides coverage for eligible rental vehicle damage or theft when the full rental cost is paid with the card and the rental company's collision damage waiver is declined. Coverage is secondary to personal auto insurance.
|
Insurance | Complimentary |
|
Extended Warranty Protection
Extends the original U.S. manufacturer's warranty by up to one additional year on eligible purchases made with the card for warranties of three years or less.
|
Insurance | Up to 1 additional year |
|
Purchase Security
Covers eligible new purchases made with the card against damage or theft for up to 90 days from the purchase date. Coverage limits apply per occurrence and per year.
|
Insurance | Up to 90 days from purchase |
|
Visa Signature Concierge
Access to Visa Signature's 24/7 concierge service for assistance with restaurant reservations, event tickets, travel arrangements, and other lifestyle requests.
|
Lifestyle | Complimentary |
|
Free FICO® Credit Score
Cardholders receive complimentary access to their FICO® Credit Score updated monthly through FNBO's online banking and mobile app, with no impact to credit score for checking.
|
Other | Complimentary |
|
2% Unlimited Cash Back
Earn unlimited 2% cash back on every purchase with no bonus categories, no spending caps, and no category restrictions. Cash back is earned as Evergreen Rewards points redeemable for cash, statement credits, gift cards, travel, and merchandise.
|
Rewards | 2% unlimited |
|
24/7 Fraud Monitoring
FNBO monitors card activity around the clock for suspicious transactions and can alert cardholders to unusual activity via text or email notifications.
|
Security | Complimentary |
|
Zero Fraud Liability
Cardholders are not held responsible for unauthorized purchases made with their card, provided fraudulent activity is reported promptly to FNBO.
|
Security |
$0 liability
Up to $0
|
|
Roadside Dispatch
Access to a 24/7 pay-per-use roadside assistance program providing towing, tire changing, jump start, lockout service, and fuel delivery. Service fees apply and are charged to the card.
|
Travel | Pay-per-use access |
|
Travel and Emergency Assistance Services
Provides referral assistance 24/7 for emergencies while traveling, including medical, legal, and travel-related assistance. Cardholders are responsible for costs of third-party services.
|
Travel | Complimentary referrals |
