Evergreen® by FNBO Business Edition® Credit Card
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The Evergreen® by FNBO Business Edition® Credit Card is for business owners who want a straightforward, 2% cash back reward structure. This card has a welcome offer which sets it apart from some 2% cash back cards that don’t offer a bonus. You can claim your rewards as a statement credit, a direct deposit, or by check and there are no limits or spending cap.
But this card isn’t open to everyone. It’s only available in certain areas. Before you apply, you can type in your zip code and find out if you are eligible to apply. But don’t despair: there are many similar business cards out there and we’ll give you a few alternatives below. Let’s dive into the details and your approval odds in this Evergreen Business Edition review.
Our Rating
4.0/5.0
Welcome Offer
$200
Annual Fee
$0
0% on Purchases
6
Reward Rate
2% cash back
0% on Balance Transfers
N/a
Welcome Offer
Earn a $200 cash bonus (20,000 points equivalent) when you spend $3,000 within the first 3 billing cycles after account is opened.
Features & Benefits
| Security | EMV Chip Enabled, Zero Liability, Alerts |
| Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay |
| Benefits | 24/7 customer service |
| Travel Perks | Auto Rental Collision Damage Waiver |
Rewards
Interest Rates & Fees
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% of each transaction in U.S. dollars |
| Regular APR | 19.24% to 29.99% (V) APR |
| Purchases | 0% Intro APR for 6 months on purchases, then 19.24% to 29.99% (V) APR after that. |
What Credit Score Is Required to Get the Evergreen® by FNBO Business Edition® Credit Card
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.
Lowest Approved Credit Score: 790
Average Approved Credit Score: 792
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 06/27/2023 | Equifax | ||
| Approved | 06/27/2023 | TransUnion | ||
| Approved | 06/27/2023 | Experian |
Pros & Cons
- Welcome offer
- No annual fee
- 2% cash back on all purchases
- High APR
- Foreign transaction fee
- Requires good credit
- Only available in select areas
What Are the Best Alternatives?
The American Express Blue Business Cash™ Card
Rating
4.6
Rewards Range
1% - 2%
Annual Fee
No annual fee
Capital One Spark Cash Plus
Rating
4.8
Rewards Range
2% to 5%
Annual Fee
$150
Ink Business Unlimited® Credit Card
Rating
4.6
Rewards Range
1.5%
Annual Fee
$0