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. 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 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
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% 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.
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% 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.
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/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: You’re given liberties in covering the costs of supplies, equipment, travel, and more.
- Zero liability: You receive 24/7 protection against fraudulent charges with your card or account information.
- Free management reports: You can track expenses, monitor spending, identify tax deductions, prepare tax filings, and predict expenses easily.
- Mobile receipt management: You can capture business receipts with your smartphone’s camera, making record-keeping easier.
- 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.
- Auto rental insurance: You receive coverage for automobile rentals after using your card to pay for the rental fees.
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: 29.74% variable, which will adjust with the prime rate
Fees
- Annual and monthly: None
- Balance transfer and cash advance: Either $10 or 5% of the amount of each transfer, whichever is greater
- 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 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:
Bankcard Payment Processing
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
Evergreen® by FNBO Business Edition® Credit Card Alternatives
American Express Blue Business Cash
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
Excellent, Good
- 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% 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.)
Intro APR
0% on purchases
Regular APR
18.49% - 26.49% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- 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% 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.)
When To Consider the American Express Blue Business Cash
- You intend to spend beyond your credit limit: This card features Expanded Buying Power—which allows you to spend beyond your credit limit after meeting certain conditions.
- You want a card that offers online application: You can apply for the card online and receive an approval decision within minutes.
Other Benefits
- Receive a $250 statement credit after spending $3,000 in purchases within the first three months from account opening
- Earn 2% cash back on the first $50,000 in eligible purchases, then 1% cash back after the cap is met
- Get access to a complete summary of your spending—categorized by month and purchase type—at the end of each year
- Apply online and receive your approval decision within minutes
This card is our leading cash back business credit card and our top instant approval business credit card due to its instant approval, cash back rewards, and expanded buying power. See our list of the best American Express business credit cards for more options from the bank.
Bank of America® Business Advantage Customized Cash Rewards
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
BEST FOR:
Those who want to earn 3% cash back in a spending category of their choice
Intro APR
0%
9 billing cycles
9 billing cycles
Regular APR
18.49% - 28.49% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
- You'll earn 3% cash back on purchases in the category of your choice and 2% cash back on dining purchases on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
- You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for Preferred Rewards for Business Platinum Honors tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
- No annual fee.
- Choose how to redeem your cash rewards-as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire as long as your account remains open.
- To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- Offers flexible redemption options
- $0 annual fee
- Welcome offer
Cons
- Premium cash back rewards are capped on a selected spending category
- Charges foreign transaction fees
- Short introductory APR period
- Access to a business credit score: Bank of America lets you view and monitor your Dun & Bradstreet business credit score for free through Business Advantage 360.
- Zero liability protection: Stay protected against unauthorized transactions. Bank of America offers additional protections that cover certain purchases against loss, damage, theft, or fire and provides extended warranty coverage.
- Fraud monitoring: Bank of America will block potential fraud if it detects abnormal patterns in your transactions. It’ll also notify you if it suspects any fraudulent activity.
Intro APR
0%
9 billing cycles
9 billing cycles
Regular APR
18.49% - 28.49% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
- You'll earn 3% cash back on purchases in the category of your choice and 2% cash back on dining purchases on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
- You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for Preferred Rewards for Business Platinum Honors tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
- No annual fee.
- Choose how to redeem your cash rewards-as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire as long as your account remains open.
- To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- Offers flexible redemption options
- $0 annual fee
- Welcome offer
Cons
- Premium cash back rewards are capped on a selected spending category
- Charges foreign transaction fees
- Short introductory APR period
- Access to a business credit score: Bank of America lets you view and monitor your Dun & Bradstreet business credit score for free through Business Advantage 360.
- Zero liability protection: Stay protected against unauthorized transactions. Bank of America offers additional protections that cover certain purchases against loss, damage, theft, or fire and provides extended warranty coverage.
- Fraud monitoring: Bank of America will block potential fraud if it detects abnormal patterns in your transactions. It’ll also notify you if it suspects any fraudulent activity.
When To Consider the Bank of America® Business Advantage Customized Cash Rewards
- You prefer to earn cash back rewards on your chosen spending category: This card lets you earn 3% cash back on the category of your choice.
Other Benefits
- Receive a 0% introductory period on purchases for the first 9 billing cycles
- Get a $300 statement credit after spending a minimum of $3,000 in purchases within the first 90 days of account opening
- Earn 3% cash back on your chosen spending category and 2% cash back on dining purchases on the first $50,000 in combined category/dining purchase
This card is included in our lists of our best business credit cards for consultants and one of our recommended limited liability company (LLC) business credit cards. You may see our roundup of the leading Bank of America business credit cards for more options from the same bank.
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
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.
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.
