Evergreen® by FNBO | Business Edition®
FNBO and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of FNBO. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Evergreen® by FNBO | Business Edition® from FNBO earns up to 2% effective value on dining in Madeen's catalog snapshot. It has no annual fee. New applicants may see: $200 cash bonus (20,000 points equivalent) when you spend $3,000 within the first 3 billing cycles after account is opened..
- Top category
- Dining
- Effective value
- 2%
- Annual fee
- $0
Worth a look for dining spend if you need a business card and can use cash back the way you redeem today. Best for spenders who put meaningful volume in dining and can earn 2% back. The welcome bonus can help if you can meet the spend requirement.
What does the Evergreen by FNBO | Business Edition earn in each category?
Dining is the strongest category at 2% effective value (2% back). That dining rate ranks higher than about 59% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Evergreen by FNBO | Business Edition compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 2% effective value (2% back). That dining rate ranks higher than about 59% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Evergreen by FNBO | Business Edition compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 2% back | 2% Top category |
| Grocery Supermarkets and grocery stores | 2% back | 2% |
| Gas Gas stations and fuel | 2% back | 2% |
| Travel Flights, hotels, transit | 2% back | 2% |
| Other General everyday spend | 2% back | 2% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Evergreen by FNBO | Business Edition?
The Evergreen by FNBO | Business Edition fits spenders who put meaningful volume in dining and can earn 2% back. Best for spenders who put meaningful volume in dining and can earn 2% back. The welcome bonus can help if you can meet the spend requirement.
Evergreen by FNBO | Business Edition fits spenders who put meaningful volume in dining and can earn 2% back. Madeen ranks its dining effective rate higher than about 59% 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 2% back. The welcome bonus can help if you can meet the spend requirement.
Foreign transaction fees make it weaker for international spend. Mostly a flat base earn card without strong category bonuses.
Worth a look for dining spend if you need a business card and can use cash back the way you redeem today.
Pros
- Strongest Madeen category is dining at about 2% effective (2% back).
- No annual fee in our catalog snapshot.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- Charges $3 foreign transaction fees.
- Business card — rewards and liability rules differ from consumer cards.
What is the Evergreen by FNBO | Business Edition welcome bonus?
In Madeen's catalog snapshot, the Evergreen by FNBO | Business Edition welcome offer is $200 cash bonus (20,000 points equivalent) when you spend $3,000 within the first 3 billing cycles after account is opened.. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.
- Offer
- $200
- Terms (catalog snapshot)
- $200 cash bonus (20,000 points equivalent) when you spend $3,000 within the first 3 billing cycles after account is opened.
- Minimum spend
- $3,000
- Window
- 3Months
Does the Evergreen by FNBO | Business Edition have an annual fee?
The Evergreen by FNBO | Business Edition has an annual fee of $0 and a foreign transaction fee of $3. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- $3
What benefits come with the Evergreen by FNBO | Business Edition?
The Evergreen by FNBO | Business Edition includes Anniversary Points, Auto Rental Insurance, Car Rental Insurance in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
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Car Rental Insurance
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Related encyclopedia topics
What annual spend bonuses does the Evergreen by FNBO | Business Edition offer?
- Earn 10,000 Bonus Points every Anniversary with $10,000 annual spend
Common questions about the Evergreen by FNBO | Business Edition
Does the Evergreen by FNBO | Business Edition have an annual fee?
The Evergreen by FNBO | Business Edition 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 Evergreen by FNBO | Business Edition?
Dining is the strongest Madeen category for the Evergreen by FNBO | Business Edition at about 2% 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 Evergreen by FNBO | Business Edition charge foreign transaction fees?
The Evergreen by FNBO | Business Edition charges a foreign transaction fee of $3 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change.
What is the Evergreen by FNBO | Business Edition welcome bonus?
The Evergreen by FNBO | Business Edition welcome offer in our snapshot: $200 cash bonus (20,000 points equivalent) when you spend $3,000 within the first 3 billing cycles after account is opened.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
What credit score do you need for the Evergreen by FNBO | Business Edition?
Madeen's catalog lists a typical credit range of Good to Excellent for the Evergreen by FNBO | Business Edition. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the Evergreen by FNBO | Business Edition?
Rewards on the Evergreen by FNBO | Business Edition post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How does the Evergreen by FNBO | Business Edition compare to similar cards?
Compare the Evergreen by FNBO | Business Edition against Amtrak Guest Rewards Mastercard (5% on Dining, $0 fee); Amtrak Guest Rewards Preferred Mastercard (5% on Dining, $99 fee); Best Western Rewards Mastercard (4.6% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Evergreen by FNBO | Business Edition This card | Dining | 2% | $0 |
| Dining | 5% | $0 | |
| Dining | 5% | $99 | |
| Dining | 4.6% | $0 | |
| Dining | 4.6% | $0 |
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
Related Madeen guides
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See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
FNBO and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of FNBO. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure