Evergreen® by FNBO
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 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 $1,000 within the first 3 billing cycles after account is opened..
- Top category
- Dining
- Effective value
- 2%
- Annual fee
- $0
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. 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 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 2,857 cards we track in that category. The five-category effective-rate table on this page shows how Evergreen by FNBO 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 2,857 cards we track in that category. The five-category effective-rate table on this page shows how Evergreen by FNBO 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?
The Evergreen by FNBO 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 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.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
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.
What is the Evergreen by FNBO welcome bonus?
In Madeen's catalog snapshot, the Evergreen by FNBO welcome offer is $200 cash bonus (20,000 points equivalent) when you spend $1,000 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 $1,000 within the first 3 billing cycles after account is opened.
- Minimum spend
- $1,000
- Window
- 3Months
Does the Evergreen by FNBO have an annual fee?
The Evergreen by FNBO 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?
The Evergreen by FNBO includes Dovly Uplift™, Golf Benefits from Troon Rewards®, OpenTable in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Sofar Sounds
$240/yrEnjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Visa Signature Concierge
$150/yrGet assistance with travel planning, entertainment tickets and more.
OpenTable
$120/yrEligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Roadside Dispatch®
$10/yrProvides 24-hour access to roadside assistance like tire changing, jump starting or towing. The fees for this pay-per-use service are pre-negotiated and available exclusively to Visa cardmembers.
Golf Benefits from Troon Rewards®
$10/yrEnjoy automatic Silver Status when you sign up for Troon Rewards®, for 10% savings on golf fees, merchandise and lessons at over 150 golf courses across the United States and the world.
Roadside Dispatch®
$10/yrThis is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Stay connected in over 175 countries
$10/yrEligible Visa cardholders can now use the GigSky app to access complimentary or discounted global mobile data, in 175+ countries and destinations worldwide as well as on over 200 of the world’s top cruise ships.
Travel and Emergency Assistance Services
$10/yrWhen you are traveling or working anywhere in the world, your covered Visa card gets you access to a multilingual call center 24 hours a day, 365 days a year to help get the assistance you need. As a covered cardholder, you, your spouse and dependent children under 22 years of age who are traveling with can call a dedicated toll-free number in the United States, or call collect when traveling abroad.
Universal Destinations & Experiences
$10/yrGet exciting benefits at Universal Studios Hollywood and Universal Orlando Resort when you pay with your Visa Signature® or Visa Infinite® card.
Visa Signature Luxury Hotel Collection
$10/yrEnjoy special guest status at 900+ Visa Signature Luxury Hotel properties worldwide.
Visa Signature Rental Car Privileges
$10/yrBook your next road trip with your Visa Signature card to receive up to 25% off base rates on qualifying rentals from Avis and Budget. Your card can also unlock complimentary upgrades (when available), waived Additional Driver Fee and 10% saving on XM Satellite radio during rental.
Dovly Uplift™
Get free access to Dovly Uplift. Dovly helps you raise your credit score and get more for your money. While Dovly's platform is designed to remove inaccuracies from your credit report, every case is different, and not everyone will achieve the same results.
Related encyclopedia topics
- Cash Back
- Visa
- Credit score monitoring
- Golf Benefits from Troon Rewards
- Dining credit
- Roadside Dispatch
- Streaming or digital credit
- Stay connected in over 175 countries
- Travel and Emergency Assistance Services
- Universal Destinations & Experiences
- Concierge service
- Visa Signature Luxury Hotel Collection
Common questions about the Evergreen by FNBO
Does the Evergreen by FNBO have an annual fee?
The Evergreen by FNBO 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?
Dining is the strongest Madeen category for the Evergreen by FNBO 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 charge foreign transaction fees?
The Evergreen by FNBO 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 welcome bonus?
The Evergreen by FNBO welcome offer in our snapshot: $200 cash bonus (20,000 points equivalent) when you spend $1,000 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?
Madeen's catalog lists a typical credit range of Good to Excellent for the Evergreen by FNBO. 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?
Rewards on the Evergreen by FNBO 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 compare to similar cards?
Compare the Evergreen by FNBO 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 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.
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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