50,000 Points
Worth $500
After you spend $1,000 on purchases on your new card in your first 3 months of card membership.
- 20%Best Western
- 2%Everywhere
Annual Fee
$0
Rec. Credit
Excellent
First National Bank
FNBO Evergreen®
The FNBO Evergreen® is built for someone who wants uncomplicated cash back on nearly everything they buy. It works best as an everyday card for general spending, especially if you would rather earn a solid flat rate than track bonus categories.
Welcome Offer
$200
Annual Fee
$0
Rec. Credit Score
Good
Good For
Simple flat-rate cash back
All information about FNBO Evergreen® has been collected independently by MaxRewards. FNBO Evergreen® is no longer available through MaxRewards.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Overview
Is the FNBO Evergreen® worth it?
This card is great for...
Everyday purchases
One-card spending
No annual fee cash back
Yes, for the right cardholder. FNBO Evergreen® is a straightforward pick for anyone who wants a no-annual-fee card that earns 2% cash back on all purchases without category rules to manage. That makes it easy to use as a primary card for groceries, gas, bills, online shopping, and the many purchases that do not fit neatly into bonus categories.
The tradeoff is that simplicity is the whole story here. There are no listed travel perks, lifestyle credits, or extra protections to help the card stand out beyond its flat rewards rate. If you want premium benefits or higher earnings in specific categories, you will likely pair this with other cards or choose something more specialized. If your goal is reliable cash back with very little effort, though, this card does its job well.
MaxRewards Verdict
FNBO Evergreen® makes the most sense for readers who want a no-fuss 2% cash-back card they can use almost everywhere. Its biggest limitation is that the value comes almost entirely from the rewards rate, not from extra benefits.
Welcome Offer
$200
after you spend $1,000 on purchases on your new card in your first 3 months of card membership.
Est. Value
$200
Required Spend
$1,000
Time Frame
3 Months
Est. Value
$200
Required Spend
$1,000
Time Frame
3 Months
Earning
Rewards
This card keeps rewards simple: you earn cash back at the same rate on every purchase. That setup is easy to maximize in real life because you do not have to think about categories before you swipe.
CategoryRate
Everywhere
2%
Eligibility
Recommended Minimum Credit
Min: Good
Poor
Fair
Good
Excellent
Good credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Pricing
Rates & Fees
Annual Fee
$0
Foreign Transaction Fee
None
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Other cards from First National Bank
See all 19 cards
25,000 Points
Worth $250
After you spend $2,500 on purchases on your new card in your first 3 months of card membership.
- 3%Travel
- 1.5%Everywhere
Annual Fee
$0
Rec. Credit
Excellent
20,000 Points
Worth $200
After you spend $1,000 on purchases on your new card in your first 3 months of card membership.
- 3%Amtrak
- 2%Dining
- 2%Travel
Annual Fee
$99
Rec. Credit
Excellent