First National Bank of South Miami Visa® Everyday Rewards+
The First National Bank of South Miami Visa® Everyday Rewards+ from First National Bank of South Miami earns up to 4% effective value on dining in Madeen's catalog snapshot. It has no annual fee. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Dining
- Effective value
- 4%
- Annual fee
- $0
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the First National Bank of South Miami Visa Everyday Rewards+ earn in each category?
Dining is the strongest category at 4% effective value (4x points at about 1 cents each). That dining rate ranks higher than about 86% of the 1,547 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Dining is the strongest category at 4% effective value (4x points at about 1 cents each). That dining rate ranks higher than about 86% of the 1,547 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 4x points | 4% Top category |
| Grocery Supermarkets and grocery stores | 2x points | 2% |
| Gas Gas stations and fuel | 2x points | 2% |
| Travel Flights, hotels, transit | 1x points | 1% |
| Other General everyday spend | 2x points | 2% |
Madeen values Elan Rewards at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the First National Bank of South Miami Visa Everyday Rewards+ reward caps and conditions?
The First National Bank of South Miami Visa Everyday Rewards+ has 2 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Unlimited 4x points on dining, take-out & food delivery
- Unlimited 2x points at grocery stores, grocery delivery, gas and electric vehicle charging stations and streaming services
Who should get the First National Bank of South Miami Visa Everyday Rewards+?
The First National Bank of South Miami Visa Everyday Rewards+ fits spenders who put meaningful volume in dining and can earn 4x points. Best for spenders who put meaningful volume in dining and can earn 4x points. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
First National Bank of South Miami Visa Everyday Rewards+ fits spenders who put meaningful volume in dining and can earn 4x points. Madeen ranks its dining effective rate higher than about 86% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 4x points.
Foreign transaction fees make it weaker for international spend.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is dining at about 4% effective (4x points).
- That dining rate ranks higher than about 86% of cards we track in the category.
- No annual fee in our catalog snapshot.
Cons
- Charges $2 foreign transaction fees.
- Elan Rewards value depends on how you redeem, not straight cash back.
Does the First National Bank of South Miami Visa Everyday Rewards+ have an annual fee, and what's the welcome bonus?
The First National Bank of South Miami Visa Everyday Rewards+ has an annual fee of $0 and a foreign transaction fee of $2. Issuer pages control fees and offers; Madeen labels this as catalog analysis, not issuer-confirmed terms. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Annual fee
- $0
- Foreign transaction fee
- $2
What benefits come with the First National Bank of South Miami Visa Everyday Rewards+?
The First National Bank of South Miami Visa Everyday Rewards+ includes Auto Rental Discounts, Concierge, ID Navigator Powered by NortonLifeLock in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Auto Rental Discounts
Alamo, Hertz and National
- Concierge
Complimentary 24/7/365 access to a wide range of personalized services, including entertainment planning, business services, gift arrangements, specialty services and travel information.
- ID Navigator Powered by NortonLifeLock
Provides tools so you can act quickly if your identity is threatened.
- Lost Luggage Reimbursement
Up to $3,000 reimbursement for the actual cost of repairing or replacing your checked or carry-on luggage and personal property contained therein that is lost or damaged. Coverage begins when the luggage is checked in or carried onto the common carrier by you.
- Roadside Dispatch
Available only when traveling in the 50 United States and the District of Columbia. If your car breaks down on the road, just call and tell us where you are. We'll send someone to the rescue.
- Signature Fine Wine & Food
Complimentary Zagat Survey restaurant rating and reviews. Plus, a host of fine wine and food experiences.
- Signature Privileges
Provides cardmembers with special offers, opportunities and upgrades from participating merchants.
Common questions about the First National Bank of South Miami Visa Everyday Rewards+
Does the First National Bank of South Miami Visa Everyday Rewards+ have an annual fee?
The First National Bank of South Miami Visa Everyday Rewards+ carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the First National Bank of South Miami Visa Everyday Rewards+?
Dining is the strongest Madeen category for the First National Bank of South Miami Visa Everyday Rewards+ at about 4% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the First National Bank of South Miami Visa Everyday Rewards+ charge foreign transaction fees?
The First National Bank of South Miami Visa Everyday Rewards+ charges a foreign transaction fee of $2 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What credit score do you need for the First National Bank of South Miami Visa Everyday Rewards+?
Madeen's catalog lists a typical credit range of Good to Excellent for the First National Bank of South Miami Visa Everyday Rewards+. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do you redeem rewards on the First National Bank of South Miami Visa Everyday Rewards+?
Rewards on the First National Bank of South Miami Visa Everyday Rewards+ post as Elan Rewards. Redemption value depends on how you use Elan Rewards (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How do I maximize rewards on the First National Bank of South Miami Visa Everyday Rewards+?
To maximize the First National Bank of South Miami Visa Everyday Rewards+, route dining and other bonus categories through this card when they match your spend, then compare it against cards you already carry with Madeen at checkout—no bank login required.
How does the First National Bank of South Miami Visa Everyday Rewards+ compare to similar cards?
Compare the First National Bank of South Miami Visa Everyday Rewards+ against First National Bank of South Miami Visa Business Cash Preferred (3% on Dining, $0 fee); First National Bank of South Miami Visa Reserve Rewards+ Card (2% on Dining, $390 fee); First National Bank of South Miami Visa Max Cash Preferred (5% on Other, $0 fee). Madeen ranks effective.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
First National Bank of South Miami Visa Everyday Rewards+ This card | Dining | 4% | $0 |
First National Bank of South Miami | Dining | 3% | $0 |
First National Bank of South Miami | Dining | 2% | $390 |
First National Bank of South Miami | Other | 5% | $0 |
First National Bank of South Miami | Gas | 4% | $99 |
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