FNBO Evergreen Business Card With 2% Cashback, $200 Signup Bonus; $100 Annual Bonus Possible

Update 11/5/21: Card now has a $200 sign up bonus. ($200 bonus is on the personal version of this card as well.) Hat tip to reader Tsarinax

Original Post:

FNBO has various 2% cards which we’ve written about before. Reader Julian reaches out to let us know about another FNBO option called the Evergreen Business Rewards Visa card. The card has no annual fee and earns 2% back on all purchases.

FNBO does not report their business cards to personal credit bureaus, so some might find this 2% useful.

Even more interesting, the card offers an annual bonus of 10,000 points if you spend $10,000 during the year. That ends up at 3% earning rate on your first $10,000 spend and makes the card a little more interesting than a standard 2% card.

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Dan
Dan

“Unfortunately we do not offer this product in your area. Existing customers, call us at 800-642-0014”.

Denver, CO ZIP Code. When entering Boulder, CO ZIP Code, I can move forward. There are actual FNBO branches in Boulder, CO but none in Denver.

Should have opened this when I had the chance….

Pang
Pang

Also got this message with a N. CA zip code. 🙁

Joey T
Joey T

If you put the zip code “80301” you can get to the application anyway.

Anyone want to risk a hard pull?

m
m

Just tried to sign up using a VA ZIP code and got the following:

“Due to significant response, we are taking card applications on a scheduled basis. To join our waitlist, please fill out your information and we’ll notify you when it’s your turn to submit your application. Thank you!”

Anyone else get this?

sg77

I just got that too (with a California zip).

Ozzi
Ozzi

Same here. That’s very interesting.

Erin

Yep. Louisiana.

B
B

Was able to Self service close card thru online portal after bonus.

also: No paperless statements available on this account via SM rep

Steven B
Steven B

Is this churnable?
Can I get multiple cards and bonuses at the same time?

sg77

I tried to redeem 20,000 points as $200 deposit to a checking account (at a non-FNBO bank (One Finance) via routing/account #); it initially appeared to work, but the money never appeared in my checking account, and my points were returned at FNBO. I called the FNBO reward redemption number but they didn’t know anything about it. I called the number on the back of the card, and they said the ACH was rejected (I think the reason was like “unable to locate account”). She saw the routing/account numbers that I entered, and they’re correct, though their system removed the 0 at the beginning of the account #. I then tried again, redeeming the points as a deposit to a different bank (Wells Fargo), and that worked (posted after a few days).

So, FNBO might have problems redeeming points into some banks like One Finance, or they have problems with account numbers that start with 0 (not sure if it’s supposed to work without the 0 anyway), or there was just a random glitch somewhere.

Ferris
Ferris

Anyone find a way to get this extremely sticky super glue off the cards after peeling the activation sticker?

sg77

I often leave the sticker on to avoid that problem. Maybe try Goo Gone.

Matthew
Matthew

Alcohol swabs will remove glue residue

sg77

I didn’t get an email when my statement closed a few days ago. It looks like you need to manually enable an alert for that: Accounts, Alerts, Statement Information Available.

The 20,000 bonus points (plus 2000 from spending $1000) posted when my statement closed. If I redeem for $200, I’ll have 2000 points left (minimum 2500 to redeem). Maybe I’ll spend another $250 to get 500 points (will be like getting 10% back on $250, vs. leaving the points unredeemed).

DW
DW

Is there not a way to redeem for $220 instead of the $200?
Edit: Nvmd, I see others say that it has to be in $25 increments, not just a $25 minimum redemption, which is annoying.

G
G

DP: Preapproved for $12k in late November. Sole prop, low revenue listed, no prior biz cards. Didn’t get instant approval – site said wait and see what the decision is. Card arrived in the mail about 2 weeks later. Creating an account online is confusing (site probably hasn’t been updated since 1997) but it’s functional enough that I was able to enroll in online banking.

B
B

Can only redeem rewards in $25 increments. Annoying but still been a fantastic card.

Penny

So it’s kind of weird that each “employee” card has its own rewards bank and I don’t see a way to combine rewards between employee cards, despite being from the same business.

Min $25 in rewards to redeem

P1 has $10 in rewards
P2 has $15 in rewards

But I can’t combine them to redeem the $25.

Also in addition, they issue a statement for each employee. There is no one statement with all transactions.