Evergreen® by FNBO Business Edition® Credit Card Review
Tricia has nearly two decades of experience in commercial and federal government lending. Her expertise is highlighted throughout small business loan content on Fit Small Business.
Nancy Fernandez is a Credit Card and Insurance Expert at Fit Small Business, specializing in business credit cards and business insurance.
This article is part of a larger series on Best Small Business Credit Cards.
Evergreen® by FNBO Business Edition® Credit Card is a small business credit card from the First National Bank of Omaha (FNBO). It offers an interest-free financing option of 0% APR on both purchases and bank transfers for the first 12 billing cycles and unlimited 2% cash back on all purchases. It also provides discounts for both QuickBooks and TurboTax federal products and security features that protect you from fraudulent transactions.
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.
First National Bank of Omaha – Business Edition Evergreen
BEST FOR:
Those planning to make large purchases
Intro APR
0% for the first 12 months
Regular APR
16.49% to 25.49% variable
Annual Fee
None
Credit Needed
Good/Excellent
- 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
- No annual fees
- With interest-free financing option
- Rewards are non-restrictive
Cons
- With foreign transaction fees
- With high balance transfer fees
- Zero liability: FNBO offers 24/7 protection against fraudulent charges made with either your card or account information
- Mobile receipt management: Lets you capture business receipts digitally 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
Intro APR
0% for the first 12 months
Regular APR
16.49% to 25.49% variable
Annual Fee
None
Credit Needed
Good/Excellent
- 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
- No annual fees
- With interest-free financing option
- Rewards are non-restrictive
Cons
- With foreign transaction fees
- With high balance transfer fees
- Zero liability: FNBO offers 24/7 protection against fraudulent charges made with either your card or account information
- Mobile receipt management: Lets you capture business receipts digitally 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
How We Evaluate Cash Back Business Credit Cards
When evaluating cash back credit cards like Evergreen® by FNBO Business Edition® Credit Card, we first consider the ongoing and introductory rewards. We also look at the annual fee, introductory and ongoing annual percentage rates (APRs), and other card benefits.
Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
Ongoing Rewards | 30 | 30 |
Introductory Rewards | 16 | 20 |
Annual Fee | 15 | 15 |
Features | 8 | 15 |
Introductory APR | 10 | 10 |
Ongoing APR | 8 | 10 |
Total Score | 87 | 100 |
Who the Evergreen® by FNBO Business Edition® Credit Card Is Best For
- Those with an existing savings or checking account with FNBO: Choosing the Evergreen® by FNBO Business Edition® Credit Card is advantageous if you already have an active savings or checking account with FNBO as you’ll be doing bank-related transactions with only one bank.
- Those planning to make large purchases: Those that will be making significant purchases for their business can take advantage of the card’s 0% introductory APR on purchases and balance transfers for the first 12 billing cycles.
- Those who want to collect as many points as possible: This card offers a simple 2% unlimited cash back on all purchases, with no category restrictions. The rewards don’t expire, and 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 business needs, then check our guides to the best small business credit cards. Alternatively, you may want to visit our Credit Card Marketplace to see our evaluation of other business credit cards.
Evergreen® by FNBO Business Edition® Credit Card Fees
APR
- Introductory APR: 0% APR on purchases and balance transfers for the first 12 months after opening an account
- Ongoing APR for purchases and balance transfers: 16.49% to 25.49% variable, which will adjust with the prime rate
- Cash advance APR: 26.74% variable, which will adjust with the prime rate
- Due date: At least 20 days after the close of each billing cycle
- Minimum interest charge: No less than $1.75
Fees
- Annual and monthly fees: None
- Balance transfer fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Cash advance fee: Either $15 or 5% of the amount of each cash advance, whichever is greater
- Foreign transaction fee: 3% of each transaction in US dollars
- Late payment fee: $35 if new balance is less than $500; $39 if new balance is equal to or greater than $500
- Over-the-credit-limit fee: $39
- Returned payment fee: $35
Evergreen® by FNBO Business Edition® Credit Card Rewards
- $200 cash bonus (worth 20,000 points) after spending $1,000 within the first three billing cycles after opening an account
- Unlimited 2% cash back on all purchases, with no category restrictions and rewards getting expired
- 10,000 bonus points on your card anniversary after spending $10,000 annually
There’s no annual program fee for the rewards points and 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/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. The amount of cash back is redeemable in denominations of $25, $50, $100, $250, and $1,000 in the form of a statement credit in your account.
How To Make Payments on the Evergreen® by FNBO Business Edition® Credit Card
- 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 they were 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 either pay online until 11:59 p.m. or call (888) 295-5540 before 5 p.m. CT.
- Mail: You can send your overnight credit card payments to
Bankcard Payment Processing
Attn.: Express Payments
1620 Dodge St.
Omaha, NE 68197-2210
Evergreen® by FNBO Business Edition® Credit Card Features
- Cash flow management: You’re given liberties in covering the costs of supplies, equipment, travel, and more.
- Zero Liability: FNBO offers 24/7 protection against fraudulent charges made with either your card or account information.
- Free management reports: FNBO lets you 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.
- QuickBooks online discount: You can either save up to 30% off of a 12-month subscription of QuickBooks Online or 30% off of a 12-month subscription of QuickBooks Self-Employed and a one-month free trial. In addition, cardholders will receive 30% off of QuickBooks Payroll for six months. Take note that discounts are only applicable for new QuickBooks Online customers.
- TurboTax discount: You can save up to $20 on TurboTax federal products with a valid Mastercard Small Business credit card.
- Mastercard easy savings: You can save on purchases with automatic rebates from more than 40,000 participating merchant locations. Check Mastercard’s website to discover notable brands on which you can get discounts and rebates.
Pros & Cons of the Evergreen® by FNBO Business Edition® Credit Card
| PROS | CONS |
|---|---|
| No annual fees: It has no annual or monthly fees, which can help you save on some costs in the long run. | Charges foreign transaction fees: When using this business credit card overseas, it charges a foreign transaction fee of 3% of every transaction in United States dollars. |
| With interest-free financing option: It offers an introductory 0% APR for purchases and balance transfers for the first 12 months after account opening, making it easier for new cardholders to plan out their large purchases for their business. | Has high balance transfer fees: This card charges either $10 or 5% of the amount of each balance transfer, whichever is greater. |
| Rewards are non-restrictive: There is no limit to the points you can earn; points have no spend category restrictions and no expiration. | |
Evergreen® by FNBO Business Edition® Credit Card Alternatives
American Express Blue Business CashTM
American Express Blue Business CashTM is our leading cash back business credit card because it offers a straightforward 2% cash back on all eligible purchases of up to $50,000 per calendar year, then 1% after that. It transfers all your earned rewards to your account automatically and is included in your statements. It even has an interest-free financing option of 0% for the first 12 months as a new cardholder and has no annual fees.
American Express Blue Business Cash™ Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Those who want better cash back rewards
Intro APR
0% on purchases
Regular APR
17.49% - 25.49% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 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.
- Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
- 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.
- No Annual Fee
- Terms Apply
Pros
- 0% intro APR
- Welcome bonus
- Fixed rate rewards
- No 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.
Intro APR
0% on purchases
Regular APR
17.49% - 25.49% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 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.
- Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
- 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.
- No Annual Fee
- Terms Apply
Pros
- 0% intro APR
- Welcome bonus
- Fixed rate rewards
- No 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.
U.S. Bank Business Platinum
U.S. Bank Business Platinum is our top-recommended 0% APR business credit card simply because it offers one of the longest interest-free financing options for both purchases and balance transfers—the first 18 billing cycles. This makes it a viable alternative if you’re planning to make significant purchases for your business. Aside from not charging any annual fees, it has one of the lowest minimum regular APRs at a 15.74% variable rate. However, it doesn’t provide any introductory or ongoing rewards for its cardholders.
U.S. Bank Business Platinum Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Extended 0% APR period on purchases and balance transfers
Intro APR
Regular APR
16.24% - 25.24% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good Credit
- U.S. Bank Business Platinum Card
- 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 16.24%-25.24%.
- 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
- Offers a long 0% APR introductory period
- 0% APR applies to both purchases and balance transfers
- No annual fee
Cons
- No introductory and ongoing rewards
- Balance transfer fee is charged even during the introductory period
- Excellent/good credit score needed to qualify
- Extended warranty protection: U.S. Bank will double an original manufacturer’s warranty up to an additional one year for warranties of three years or less. Coverage is limited to $10,000 per item.
- Purchase protection: U.S. Bank offers purchase protection for items that are damaged or stolen within 90 days of purchase. The coverage is limited to $500 per claim and up to $50,000 per cardholder, per year.
Intro APR
Regular APR
16.24% - 25.24% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good Credit
- U.S. Bank Business Platinum Card
- 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 16.24%-25.24%.
- 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
- Offers a long 0% APR introductory period
- 0% APR applies to both purchases and balance transfers
- No annual fee
Cons
- No introductory and ongoing rewards
- Balance transfer fee is charged even during the introductory period
- Excellent/good credit score needed to qualify
- Extended warranty protection: U.S. Bank will double an original manufacturer’s warranty up to an additional one year for warranties of three years or less. Coverage is limited to $10,000 per item.
- Purchase protection: U.S. Bank offers purchase protection for items that are damaged or stolen within 90 days of purchase. The coverage is limited to $500 per claim and up to $50,000 per cardholder, per year.
Chase Ink Business Unlimited®
Chase Ink Business Unlimited® is our best small business credit card and top credit card for new businesses with no credit history. It offers an interest-free financing option of 0% on purchases for the first 12 months after opening an account and unlimited 1.5% cash back rewards on all business-related purchases. New cardholders can also get a $750 bonus cash back after spending $7,500 on purchases during the first three months of their account opening.
Ink Business Unlimited® Credit Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Pocketing 1.5% cash back on every single purchase
Intro APR
0% Intro APR on Purchases
Regular APR
16.24% - 22.24% Variable
Annual Fee
$0
Credit Needed
- Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
Pros
- 0% introductory APR on purchases
- Unlimited cash back rewards on all purchases
Cons
- Introductory APR period doesn’t apply to balance transfers
- 5% balance transfer fee
- Charges foreign transaction fees
- Requires excellent credit to qualify
- Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes; it provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the US and abroad
- Purchase protection: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account per year
- Extended warranty protection: Extends the time period of the US manufacturer’s warranty by an additional year on eligible warranties of three years or less
Intro APR
0% Intro APR on Purchases
Regular APR
16.24% - 22.24% Variable
Annual Fee
$0
Credit Needed
Good, Excellent
- Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
Pros
- 0% introductory APR on purchases
- Unlimited cash back rewards on all purchases
Cons
- Introductory APR period doesn’t apply to balance transfers
- 5% balance transfer fee
- Charges foreign transaction fees
- Requires excellent credit to qualify
- Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes; it provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the US and abroad
- Purchase protection: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account per year
- Extended warranty protection: Extends the time period of the US manufacturer’s warranty by an additional year on eligible warranties of three years or less
Bottom Line
Evergreen® by FNBO Business Edition® Credit Card is a business credit card that’s best suited for those with an active savings or checking account from FNBO, those who are 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 and balance transfers for the first 12 billing cycles and an unlimited 2% cash back on all purchases.
To find other options, visit our Credit Card Marketplace.
