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Evergreen® by FNBO Business Edition® Credit Card is a small business credit card from the First National Bank of Omaha (FNBO). It offers a 0% introductory period on purchases for the first six billing cycles and unlimited 2% cash back on all purchases.
FNBO has branches in eight states: Colorado, Illinois, Iowa, Kansas, Nebraska, South Dakota, Texas, and Wyoming. You can consider getting this card if your state is included.
If you wish to compare one card over another, select a maximum of three cards on this page and click Add to Compare to view the details in a side-by-side comparison.
Evergreen® by FNBO Business Edition® Credit Card
BEST FOR:
Those who have existing business checking accounts with FNBO
- Unlimited 2% cash back on all purchases, with no category restrictions and rewards getting expired
- Earn 10,000 bonus points on your card anniversary after spending $10,000 annually
Pros
- Doesn’t charge annual fees
- With 0% introductory annual percentage rates (APR) on purchases
- Rewards are nonrestrictive
Cons
- Charges foreign transaction fees
- Doesn’t have 0% introductory APR on balance transfers
- Short 0% introductory APR as compared to other business credit cards
- Zero liability: FNBO offers 24/7 protection against fraudulent charges made with either your card or account information
- Mobile receipt management: Lets you digitally capture business receipts with your smartphone’s camera, making record-keeping easier.
- QuickBooks online discount: Save 30% on selected QuickBooks subscriptions for 12 months when using the Evergreen® by FNBO Business Edition® Credit Card.
- TurboTax discount: Get savings of up to $20 on TurboTax federal products with a valid Mastercard small business credit card.
- Unlimited 2% cash back on all purchases, with no category restrictions and rewards getting expired
- Earn 10,000 bonus points on your card anniversary after spending $10,000 annually
Pros
- Doesn’t charge annual fees
- With 0% introductory annual percentage rates (APR) on purchases
- Rewards are nonrestrictive
Cons
- Charges foreign transaction fees
- Doesn’t have 0% introductory APR on balance transfers
- Short 0% introductory APR as compared to other business credit cards
- Zero liability: FNBO offers 24/7 protection against fraudulent charges made with either your card or account information
- Mobile receipt management: Lets you digitally capture business receipts with your smartphone’s camera, making record-keeping easier.
- QuickBooks online discount: Save 30% on selected QuickBooks subscriptions for 12 months when using the Evergreen® by FNBO Business Edition® Credit Card.
- TurboTax discount: Get savings of up to $20 on TurboTax federal products with a valid Mastercard small business credit card.
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When evaluating cash back credit cards like Evergreen® by FNBO Business Edition® Credit Card, we first consider the ongoing and introductory rewards. We also examine the annual fee, introductory and ongoing APRs, and other card benefits.
Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
Ongoing Rewards | 25 | 30 |
Introductory Rewards | 15 | 20 |
Annual Fee | 15 | 15 |
Features | 8 | 15 |
Introductory APR | 5 | 10 |
Ongoing APR | 8 | 10 |
Total Score | 76 | 100 |
Who the Evergreen® by FNBO Business Edition® Credit Card Is Best For
- Those with an existing business checking account with FNBO: Choosing the Evergreen® by FNBO Business Edition® Credit Card is advantageous if you already have an active business checking account with FNBO, as you’ll be doing bank-related transactions with only one bank.
- Those who plan to make large purchases: Those making significant purchases for their business can take advantage of the card’s 0% introductory APR on purchases for the first six billing cycles.
- Those who want to collect as many points as possible: This card offers 2% unlimited cash back on all purchases, with no category restrictions. The rewards don’t expire; these can be redeemed either as a statement credit or as gift checks, gift cards, and merchandise, among others.
If this card doesn’t fit your needs, see our recommended alternatives below.
Evergreen® by FNBO Business Edition® Credit Card Rewards
- $200 cash bonus (worth 20,000 points) after spending $3,000 within the first three billing cycles after opening an account
- Unlimited 2% cash back (equal to 2 points) on all purchases, with no category restrictions and rewards getting expired
- 10,000 bonus points on your card anniversary after spending $10,000 annually
Evergreen® by FNBO Business Edition® Credit Card Calculator
You can determine how much you can earn from the Evergreen® by FNBO Business Edition® Credit Card based on your estimated monthly expenses. Our rewards calculator will compute your potential rewards—just enter your expected monthly spending, and our calculator will do the rest.
How to Redeem Evergreen® by FNBO Business Edition® Credit Card Rewards
Your cash back rewards are earned as points. There’s no annual program fee for earned points and there is no limit to how many points a cardholder can earn. Plus, all earned points will never expire.
You can redeem them for the following:
- Merchandise
- Gift cards or certificates
- Travel (airline, hotel, and car rentals)
- Cash back as a statement credit to the account or an automated clearing house (ACH) deposit to any checking or savings account under FNBO
- Other goods and services
Take note that only points can be used to redeem for cash back. Cash back is redeemable in denominations of $25, $50, $100, $250, and $1,000 as a statement credit in your account.
Evergreen® by FNBO Business Edition® Credit Card Features
- Cash flow management: Secure flexibility in covering the costs of supplies, equipment, travel, and more.
- Zero liability: Receive 24/7 protection against fraudulent charges with your card or account information.
- Free management reports: Track expenses, monitor spending, identify tax deductions, prepare tax filings, and predict expenses easily.
- Mobile receipt management: Capture business receipts with your smartphone’s camera, making record-keeping easier.
- Mastercard® easy savings: Save on purchases with automatic rebates from more than 40,000 participating merchant locations. Check Mastercard’s website to discover notable brands to get discounts and rebates.
- Auto rental insurance: Get coverage for automobile rentals after using your card to pay for the rental fees. Note that coverage for damages due to collision or theft will be dependent on the limits indicated in your coverage disclosure.
Evergreen® by FNBO Business Edition® Credit Card Fees
APR
- Introductory: 0% APR on purchases for the first six billing cycles after card opening
- Ongoing and balance transfers: 19.24% to 29.99% variable, which will adjust with the prime rate (with a minimum interest charge of no less than $1.75)
- Cash advance: 29.99% variable, which will adjust with the prime rate
Fees
- Annual and monthly: $0
- Balance transfer: Either $10 or 5% of the amount of each transfer, whichever is greater
- Cash advance: Either $15 or 5% of the amount of each transfer, whichever is greater
- Cash equivalent: Either $15 or 5% of the amount of each transfer or equivalent transaction, whichever is greater
- Foreign transaction: 3% of each transaction in US dollars
- Late payment
- $35 if the new balance is less than $500
- $39 if the new balance is equal to or greater than $500
- Over the credit limit: $39
- Returned payment: $35
Your due date is at least 20 days after the close of each billing cycle.
- Online: Log in to your account and make payments online from any device. Credit card payments made with FNBO are usually posted to your account on the same day if processed before 5 p.m. Central time. If the payment was made after 5 p.m. but before 11:59 p.m. CT, these will be processed on the next banking day and will be credited for the date of payment.
- AutoPay: When your account is enrolled in AutoPay, your payment will be made every month automatically on either the due date or a date you consider the best for you. For AutoPay to work, you’ll need to select an FNBO checking or savings account to make your payment from and set the amount to be deducted.
- Phone: Pay your bill by calling FNBO’s customer care line at (888) 295-5540. If you want your payment to be credited to your account on the same banking day, you must call before 5 p.m. CT, Monday through Friday.
- Rush: To rush a payment, you can pay online until 11:59 p.m. or call (888) 295-5540 before 5 p.m. CT.
- Mail: You can send your regular credit card payments that include your payment and payment coupon found in the envelope that came with your billing statement to this address:
Bankcard Payment Processing
1620 Dodge St.
Omaha, NE 68197-2210
Alternatively, you can send your overnight credit card payment to this address:
Bankcard Payment Processing
Attn.: Express Payments
1620 Dodge St.
Omaha, NE 68197-2210
Evergreen® by FNBO Business Edition® Credit Card Alternatives
American Express Blue Business Cash™ Card
The American Express Blue Business Cash™ Card
BEST FOR:
Those who want better cash back rewards
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% – 25.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply
Pros
- 0% introductory annual percentage rate (APR)
- Welcome offer
- Fixed rate rewards
- $0 annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter. (Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.)
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% – 25.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply
Pros
- 0% introductory annual percentage rate (APR)
- Welcome offer
- Fixed rate rewards
- $0 annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter. (Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.)
If you intend to spend beyond your credit limit, then we recommend the American Express Blue Business Cash™ Card. On top of enjoying a 0% introductory period on purchases for the first 12 billing cycles, you can also earn 2% cash back on the first $50,000 in purchases for each calendar year.
U.S. Bank Business Leverage® Visa Signature® Card
- Earn 75,000 points when you spend $7,500 in eligible purchases on the account owner's card within the first 120 days of opening your account.
- Earn 2X points in the top two categories where you spend the most each month automatically.
- 1X points per dollar spent on all other eligible purchases.
- Earn 5X points on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limits on the total rewards your business can earn.
- Terms and conditions apply.
Pros
- Personalized ongoing rewards
- Large welcome offer
- Unlimited points
Cons
- Requires excellent credit
- No introductory 0% annual percentage rate (APR)
- Rewards have expiration
- Extended warranty protection: The issuer will double an original manufacturer’s warranty up to an additional one year for warranties of three years or less. The coverage is limited to $10,000 per item.
- Purchase protection: Protection for items that are damaged or stolen within 90 days of purchase. Coverage is limited to $500 per claim and up to $50,000 per cardholder, per year.
- Earn 75,000 points when you spend $7,500 in eligible purchases on the account owner's card within the first 120 days of opening your account.
- Earn 2X points in the top two categories where you spend the most each month automatically.
- 1X points per dollar spent on all other eligible purchases.
- Earn 5X points on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limits on the total rewards your business can earn.
- Terms and conditions apply.
Pros
- Personalized ongoing rewards
- Large welcome offer
- Unlimited points
Cons
- Requires excellent credit
- No introductory 0% annual percentage rate (APR)
- Rewards have expiration
- Extended warranty protection: The issuer will double an original manufacturer’s warranty up to an additional one year for warranties of three years or less. The coverage is limited to $10,000 per item.
- Purchase protection: Protection for items that are damaged or stolen within 90 days of purchase. Coverage is limited to $500 per claim and up to $50,000 per cardholder, per year.
The U.S. Bank Business Leverage® Visa Signature® Card is a great alternative business credit card if you wish to automatically earn higher rewards points on your top two spending categories. While it charges an annual fee of $95 (waived for the first year), this card charges a $0 foreign transaction fee.
U.S. Bank Business Platinum Card
U.S. Bank Business Platinum Card
BEST FOR:
Extended 0% APR period on purchases
- 0% Intro APR on purchases 18 billing cycles. After that, a variable APR currently 16.99% - 25.99%.
- Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022.
- Terms and conditions apply.
Pros
- With a long 0% introductory APR period on purchases
- Enjoy $0 annual fees
- Offers ExtendPay® Plan
Cons
- No introductory and ongoing rewards
- No 0% APR offer on balance transfers
- Needs Excellent/Good credit score to qualify
- SinglePoint® Essentials: SinglePoint® Essentials is U.S. Bank's one-stop tool for viewing account balances and transaction details, transferring funds between existing U.S. Bank accounts, downloading statements, and making payments.
- Fraud protection: U.S. Bank offers fraud protection to ensure the safety and security of all cardholders. To learn more about U.S. Bank's fraud protection services, you can set up a virtual appointment, call U.S. Bank, or go to the nearest U.S. Bank branch.
- ExtendPay® plan: This allows you to pay off balances over time by dividing eligible credit card purchases into affordable monthly payments with no interest—you only need to pay a fixed monthly fee. Visa Spend Clarity: Another tool that cardholders can use to track spending and manage finances is Visa Spend Clarity.
- 0% Intro APR on purchases 18 billing cycles. After that, a variable APR currently 16.99% - 25.99%.
- Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022.
- Terms and conditions apply.
Pros
- With a long 0% introductory APR period on purchases
- Enjoy $0 annual fees
- Offers ExtendPay® Plan
Cons
- No introductory and ongoing rewards
- No 0% APR offer on balance transfers
- Needs Excellent/Good credit score to qualify
- SinglePoint® Essentials: SinglePoint® Essentials is U.S. Bank's one-stop tool for viewing account balances and transaction details, transferring funds between existing U.S. Bank accounts, downloading statements, and making payments.
- Fraud protection: U.S. Bank offers fraud protection to ensure the safety and security of all cardholders. To learn more about U.S. Bank's fraud protection services, you can set up a virtual appointment, call U.S. Bank, or go to the nearest U.S. Bank branch.
- ExtendPay® plan: This allows you to pay off balances over time by dividing eligible credit card purchases into affordable monthly payments with no interest—you only need to pay a fixed monthly fee. Visa Spend Clarity: Another tool that cardholders can use to track spending and manage finances is Visa Spend Clarity.
We suggest the U.S. Bank Business Platinum Card if you do not need cash back rewards and wish to enjoy a long 0% introductory period on purchases instead. You can also take advantage of the U.S. Bank ExtendPay® Plan, where you can divide eligible balances into manageable monthly payments.
Frequently Asked Questions (FAQs)
You can apply for the Evergreen® by FNBO Business Edition® Credit Card online. Note that you need to secure the following information before applying:
- Company name, phone number, legal structure, physical (no PO boxes) and email address
- Tax ID number (TIN)
- Company name displayed on the card
- Gross annual revenue
Note that it usually takes 10-14 business days (or no more than 30 days) for you to receive an update on your card application.
You can request an increase on your credit limit by logging in to your account and selecting “Request Limit Increase” under Account Services.
Yes, the First National Bank of Omaha triggers a hard pull upon applying and can decrease your credit score by five to 10 points.
The maximum credit limit for your Evergreen® by FNBO Business Edition® Credit Card is $50,000.
Bottom Line
Evergreen® by FNBO Business Edition® Credit Card is a business credit card that’s best suited for those with an active business checking account from FNBO, those planning to make significant purchases for their business, and those who wish to collect as many points as possible. It offers an interest-free financing option of 0% for purchases for the first six billing cycles and an unlimited 2% cash back on all purchases.
