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 purchases and bank transfers for the first 12 billing cycles and unlimited 2% cash back on all purchases. It also provides discounts for QuickBooks and TurboTax federal products and has security features that protect you from fraudulent transactions.
FNBO has branches in eight states: Colorado, Illinois, Iowa, Kansas, Nebraska, South Dakota, Texas, and Wyoming. You may consider getting this card if your state is included. Learn more about the cities and states FNBO serves.
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
Intro APR
0%
Regular APR
18.24% to 29.24% variable
Annual Fee
None
Credit Needed
Good to 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
- Doesn’t charge annual fees
- With 0% introudctory 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.
Intro APR
0%
Regular APR
18.24% to 29.24% variable
Annual Fee
None
Credit Needed
Good to 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
- Doesn’t charge annual fees
- With 0% introudctory 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.
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 annual percentage rates (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 Fees
APR
- Introductory: 0% APR on purchases for the first six billing cycles after card opening
- Ongoing and balance transfers: 18.24% to 29.24% variable, which will adjust with the prime rate
- Cash advance: 29.74% variable, which will adjust with the prime rate
Fees
- Minimum interest charge: No less than $1.75
- Annual and monthly: None
- Balance transfer: Either $10 or 5% of the amount of each transfer, whichever is greater
- Cash advance and cash equivalent: Either $15 or 5% of the amount of each transfer/equivalent transaction, whichever is greater
- Foreign transaction: 3% of each transaction in US dollars
- Late payment
- $35 if new balance is less than $500;
- $39 if 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.
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 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. Cash back is redeemable in denominations of $25, $50, $100, $250, and $1,000 as 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 processed before 5 p.m. Central time. If the payment was made after 5 p.m. but before 11:59 p.m. Central time, 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:
Bankcard Payment Processing
1620 Dodge St.
Omaha, NE 68197-2210
1620 Dodge St.
Omaha, NE 68197-2210
Alternatively, you can send your overnight credit card payment to:
Bankcard Payment Processing
Attn.: Express Payments
1620 Dodge St.
Omaha, NE 68197-2210
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 with 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 discount: You can save up to 30% off of a 12-month subscription to QuickBooks Online or 30% off of a 12-month subscription to QuickBooks Self-Employed, along with 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 to 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 to get discounts and rebates.
Evergreen® by FNBO Business Edition® Credit Card Alternatives
American Express Blue Business CashTM
The American Express Blue Business Cash™ Card
BEST FOR:
Those who want better cash back rewards
Intro APR
0% on purchases
Regular APR
18.49% - 26.49% 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.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, 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.
- 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.
- No Annual Fee
- Terms Apply
Pros
- 0% intro APR
- Welcome bonus
- 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.
Intro APR
0% on purchases
Regular APR
18.49% - 26.49% 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.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, 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.
- 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.
- No Annual Fee
- Terms Apply
Pros
- 0% intro APR
- Welcome bonus
- 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.
- Is an excellent card if you need to spend beyond your credit limit when needed as it features expanded buying power, which lets you spend above your credit limit, and it’s adjusted based on your credit card usage, payment history, credit record, financial resources, and other factors
- Has a 0% introductory APR on purchases for the first 12 billing cycles
- Lets you earn 2% cash back on all eligible purchases of up to $50,000 per calendar year, then 1% cash back when the $50,000 cap is met
- Is in our roundups of the:
U.S. Bank Business Platinum Card
U.S. Bank Business Platinum Card
BEST FOR:
Extended 0% APR period on purchases and balance transfers
Intro APR
Regular APR
17.24% - 26.24% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good Credit
- 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 17.24%-26.24%.
- 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
- With a long 0% introductory APR period on purchases and balance transfers
- Does not charge annual fees
- Offers ExtendPay® Plan
Cons
- No introductory and ongoing rewards
- Balance transfer fee is charged even during the introductory period
- 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.
Intro APR
Regular APR
17.24% - 26.24% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good Credit
- 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 17.24%-26.24%.
- 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
- With a long 0% introductory APR period on purchases and balance transfers
- Does not charge annual fees
- Offers ExtendPay® Plan
Cons
- No introductory and ongoing rewards
- Balance transfer fee is charged even during the introductory period
- 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.
- Is ideal for those looking for a long 0% introductory period, as it offers 0% introductory APR for the first 18 months on both purchases and balance transfers
- Doesn’t charge annual fees
- Lacks rewards for new and existing cardholders
- Is in our list of the:
Chase Ink Business Unlimited®
Ink Business Unlimited® Credit Card
BEST FOR:
Those who want fixed-rate 1.5% cash back on all purchases
Intro APR
0% Intro APR on Purchases
Regular APR
18.49% - 24.49% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Earn $900 bonus cash back after you spend $6,000 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.
- Round-the-clock monitoring for unusual credit card purchases
- 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
- Member FDIC
Pros
- With interest-free financing option on purchases
- Fixed unlimited cash back on all purchases
Cons
- Does not have interest-free financing option on balance transfers
- Charges high foreign transaction fees
- Auto rental collision damage waiver: You can decline the company’s collision insurance and charge the entire rental cost to this card.
- Travel and emergency assistance services: Call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance.
- Purchase protection: You can ensure that your new purchases are covered for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Zero liability protection: Chase will not hold you responsible for unauthorized transactions made with both your card and your account information.
- Cellphone protection: Receive up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees included in your monthly cellphone bills when using your card to pay for it. This applies for a maximum of three claims within a 12-month period and will charge a $100 deductible per claim.
Intro APR
0% Intro APR on Purchases
Regular APR
18.49% - 24.49% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Earn $900 bonus cash back after you spend $6,000 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.
- Round-the-clock monitoring for unusual credit card purchases
- 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
- Member FDIC
Pros
- With interest-free financing option on purchases
- Fixed unlimited cash back on all purchases
Cons
- Does not have interest-free financing option on balance transfers
- Charges high foreign transaction fees
- Auto rental collision damage waiver: You can decline the company’s collision insurance and charge the entire rental cost to this card.
- Travel and emergency assistance services: Call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance.
- Purchase protection: You can ensure that your new purchases are covered for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Zero liability protection: Chase will not hold you responsible for unauthorized transactions made with both your card and your account information.
- Cellphone protection: Receive up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees included in your monthly cellphone bills when using your card to pay for it. This applies for a maximum of three claims within a 12-month period and will charge a $100 deductible per claim.
- Is best suited if you want an alternative fixed-rate rewards card since it lets you earn unlimited 1.5% cash back on all business-related purchases
- Offer 0% APR on purchases for the first 12 billing cycles
- Doesn’t charge annual fees
- Is on our lists of the:
See our guide to the leading small business credit cards for more options.
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 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 for the first six billing cycles and an unlimited 2% cash back on all purchases.
