- No annual fee1
- No category restrictions
- No-worry points℠ don’t expire2
- $200 cash bonus (20,000 points equivalent) when you spend $1,000 within the first 3 billing cycles after account is opened.2
Earn Unlimited 2% Cash Back2
Every Purchase. Every Day. Everywhere.
Only with the Evergreen® by FNBO Visa Signature® personal credit card.
Evergreen® by FNBO Credit Card
Live and Earn. Wherever life leads.
FNBO is independent and family-owned, and has been committed to the financial wellbeing of its customers for more than 165 years and six generations. FNBO takes pride in being the great big, small bank. Large enough to meet all of your financial needs, yet small enough to know you personally.
- Protected
- Connected
- Resources
Always Protected | Ever Ready with Evergreen
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Fraud Protection
24/7 protection to give you peace of mind
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Contactless - Tap to Pay
Tap your card wherever you see the contactless symbol
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Zero Liability4
24/7 protection against unauthorized purchases made with card
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Chip Enabled
Provides better security and protection against fraud
Stay Connected | Ever Ready with Evergreen
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Mobile App
Manage accounts, pay bills and check balances on your mobile device
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Card Controls
Turn your card on or off with a quick click
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Digital Wallet
Sync your account with Apple Pay® and Samsung Pay®
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Rewards Review
Watch your cash back rewards grow with our mobile app or at fnbo.com
Resources for You | With you where you are
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Customer Care 24/7
We are here to help you all hours of the day
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Global Services3
Expert assistance for a replacement card or emergency cash
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FICO® Score
Access your FICO® Score online anytime for free
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Account Alerts & Autopay
Enjoy an easy and secure way to check your balances and monitor your spending when you set up Account Alerts and Autopay
Offers for credit cards may vary by channel. The information displayed on this page and in your Summary of Credit Terms determine the offer you will receive. Applying via another channel or at another time may result in different product offers.
Please see the Summary of Credit Terms for important information on rates, fees, costs, conditions and limitations. Minimum monthly payments required.
1 For additional information about Annual Percentage Rates (APRs), fees and other costs, see the Summary of Credit Terms.
2 See the Rewards Terms and Conditions in the Summary of Credit Terms for details, including earnings, redemption, expiration or forfeiture. Your % back rewards are earned as points. Bonus offer points will be awarded 6-8 weeks after qualifying.
3 Complete program details, including restrictions, limitations and exclusions, will be available when you become a Cardmember.
4 Visa’s Zero Liability policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use.
FICO and "The score lenders use" are trademarks and/or registered trademarks of Fair Isaac Corporation in the United States and other countries. Please note, new cardmembers will generally see their FICO® Bankcard Score 9 (the version of FICO® Score we use to manage their account) within 45 days of account opening.
Apple, the Apple logo and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries. Samsung Pay is a trademark of Samsung Electronics Co., Ltd.; use only in accordance with law.
Cards are issued by First National Bank of Omaha (FNBO®) pursuant to a license from Visa U.S.A., Inc. Visa and Visa Signature are registered trademarks of Visa International Service Association and used under license.