TravElite Credit Card From FNBO Review – Now With 25,000 Point ($250 Sign Up Bonus), No AF + $100 Travel Credit

The TravElite Credit Card from FNBO now comes with a 25,000 point after $2,500 in spend within the first three months sign up bonus. The card is also now publicly available. In addition they have also dropped the annual fee Continue reading for our full review.

fnbo traveelite

Card Basics

  • No annual fee
  • Sign up bonus of 25,000 points after $2,500 in spend within the first three months 
  • $100 in statement credits for airline incidentals
  • $100 global entry reimbursement
  • Earns at the following rates:
    • 3x points per dollar spent on all airline and hotel purchases
    • 1.5x points on all other purchases
  • Access to Premium Concierge
  • No foreign transaction fees
  • This card does come with a free FICO8 score

How Much Are Points Worth?

Whenever a company starts talking about points my first thought is “how much are points actually worth? and what can they be redeemed for?”. Here’s what we know:

  • Points can not be transferred into other loyalty programs, this means they have no hotel or airline partners
  • Points can be used for travel, gift cards, merchandise or cash back as a credit to your account

Points are worth $0.01 a point (1¢ a point). So a $25 gift card will set you back 2,500 points. When booking a flight a fee of $15 is added. If you’re purchasing merchandise then shipping and handling are also added. There are currently 81 merchants listed that you can get gift cards for and as we mentioned previously you can redeem for cash back. There are over 200 airline and 50,000 hotels that you can redeem for worldwide (but keep in mind the $15 booking fees).

Obviously the best option will be to just redeem for cash back and then purchase gift cards/travel as you see fit.

$100 Travel Discretionary Fund

Officially this fund can be used for incidental air travel fees that are separate from airline ticket charges. You must also enroll in this benefit. The following are examples of what do not count:

  • Airline tickets, upgrades, mileage points purchases, mileage points transfer fees, gift cards, duty-free purchases and award tickets

Examples of what does count is as follows:

  • Baggage, fees, airport lounge access, on-board food and beverage

Allow 2-4 weeks for the credit to post and contact them if it doesn’t post after that four week period. Please share your own datapoints on what did/didn’t trigger this credit in the comments below.

Eligible airlines:


  • Alaska Airlines
  • American Airlines
  • Allegiant Airlines
  • Delta Airlines
  • Frontier Airlines
  • Hawaiian Airlines
  • JetBlue Airways
  • Southwest Airlines
  • Southwest & AirTran Airlines
  • Spirit Airlines
  • United & Continental Airlines
  • Virgin Airlines

  • Air New Zealand
  • Scandinavian
  • Emirates
  • Alitalia
  • Iceland Air
  • Norwegian Air
  • Aer Lingus
  • British Airways
  • Cathay Pacific Airways
  • Qantas
  • Iberia
  • Air Canada
  • KLM
  • Qatar
  • Virgin Atlantic
  • LATAM Airlines
  • Lufthansa
  • Swiss Airlines
  • Singapore Airlines

Data Points From Readers

The following do trigger the credit:

  • Alaska:
    • Giftcards: 1
  • American Airlines:
    • Taxes
  • Delta:
    • eGiftcard: 1,
  •  JetBlue:
    • Award taxes: 1, 2,
  •  Southwest:
  • United:
    • Gift registry: 1
  • Delta:
    • Award taxes: 1
    • Gift card: 1 ($50), 2 ($50), 3 ($50)

The following might not work:

  • American:
    • Giftcards: 1
    • Taxes: 1
  • United:
    • MPX: 1,

Our Verdict

This card is now significantly better than it once was, it comes with a sign up bonus worth $250, no annual fee and $100 in travel incidentals. Getting $100 in travel incidentals without any annual fee means keeping this card long term makes sense. I suspect a lot of readers will be interested in this card and also not that familiar with FNBO. I’d recommend reading this post explaining more about this card issuer. Biggest thing for most people is that they are inquiry sensitive, so keep that in mind.


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Southwest gift card. Posted 10/8, $100 credit posted on 10/9


Bought southwest $100 e-giftcard on 9/21/20. $100 credit posted on 9/30/20.


No longer works for Delta gift card purchase. Bought two $50 DL GC but never got reimbursed.

Still works for Alaska gift card

9/11 $100 Alaska gift card purchased.
9/14 $100 credit posted.

John Doe
John Doe

I keep getting an error message saying incorrect security code even though I entered the right 4-digit AmEx Security Code found on the front of my card. So weird. “American Express” is also selected in the Card Type drop-down.


AMEX offers can be added here

But how do you already added offers like on


I enrolled when I got this card in 2017, and forgot if I need to call every year while I do get the re-imbrusement every year. However, in 2020, I tried to buy $50 SW e-gc and do not get re-imbrused, after I request a new card since lost, I ried to buy a sw ticket of small amount, it has not been re-imbrused for one week. How should I do?

Puli H
Puli H

$100 southwest e-gift card purchased on the 17th. Credit posted on the 20th.


$100 Southwest e-gift card was refunded the next day. Coded as:


Has anyone had any luck with travel credit on this card lately? I have charged the $5.60 award fee on several AA flights with this card, and none of the charges has credited.


I am also looking for additional datapoints.

From what I see so far based on 4-5 DP from FT and DOC – Delta GC are not being reimbursed since Dec 2019. I actually had my reimbursements for Delta GC processed in October 2019.

There are at least 5 DPs on SW GC being reimbursed in early 2020

For me SW GC are quite useless, I still have a few that I bought back in 2017.

Has anybody here bought tickets under $100 that were reimbursed?


i think i am in the same boat as you.
SW is not too much use for me. I use AA as the major airline, not sure if AA gc is still working or not.


Is there any recent data-points on successfully reimbursement?


$100 SW e-giftcard was refunded the next day.


Thank you, Taylor.


SW $100 egift card reimbursed. Took about 2 weeks.