I received this some time back, and more recently the Amex from FNBO.  Went to the shredder though. I have the BucksBack Visa with them, and thus far, no complaints.  All applications via manual review, therefore online applications don't get auto approved. Took about 2 weeks after i got the approval email from them.  They are very conservative lender.  I've had the card since 7/2011, started at 15k, and that's where it sits today. I've nothing negative  to speak of  at this point, but i really don't use it very much.  I believe the reviews are mixed, and benefits are really not the best compared to some of the bigger lenders.   Maybe someone else can chime in with more info.