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Evergreen® Credit Card
FNBO

Evergreen® Credit Card

A no-annual-fee cash back card from FNBO.

Cash back only
Annual fee
No annual fee
Welcome bonus
20,000 points ($200 cash bonus)
Min spend
$1,000 in the first 3 billing cycles
Recommended credit
Good (670+)
Network
Visa
Apply on FNBO site7.6/10Our rating · review ›

Rates, fees, and full terms are set by FNBO and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.

Before you apply: credit card application and welcome-bonus rules →
Offer last verified July 17, 2026. How we verify.

Is this card right for you?

✓ Best for

people who want a simple, flat rate on every purchase with nothing to track.

⚠ Think twice if

you would rather chase elevated bonus categories than earn one flat rate.

Earning rates

2% cash back on every purchase

Best ways to earn & redeem

Use it as a flat-rate everyday card, since it earns the same on every purchase, and pair it with bonus-category cards for groceries, dining, and travel.

When you cash in, take the rewards as cash back or a statement credit, worth a flat 1 cent each. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.

Features & benefits

No categories to track and no caps
No annual fee
Redeem as a statement credit, deposit, or check

Alternatives to the Evergreen® Credit Card

Pairs well with

The Evergreen® Credit Card earns a flat rate on everything, so pair it with a category card or two to earn more where you spend the most.

How does it rank for your spending?

Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the Evergreen® Credit Card lands.

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