@ArmyVietVet wrote:
@Anonymous wrote:Platinum Visa 0% for first 12 months no cash back or rewards.
The card you are referring to is a straight credit card. Now one thing about FNBO is they will offer upgrades not listed anywhere that are much better cards. For instance, I started with a FNBO Bucks Back Visa (rewards were 1:1) and one year later it was upgraded to a Vision Visa Signature Card (cash not rewards) no AF. The rewards were 1:1 so that is typical for FNBO and of late starting Aprs at 15.99% (high) and they do not lower Aprs as a general rule. All this is food for thought. Yes, their CLIs are generally SP and that is the one benefit. At one time they had an FNBO no AF AX with 2% gas and groceries but that is gone. They also offer a Maximum Rewards Visa SIgnature which used to earn 1.5 for every $1 cash spent but that is now 1:1 at 15.9% or higher and rewards that are rewards.
I got an offer for the plat visa as well. Wife got offer for NPSL AMEX thru them. 
Irony of it is, my EX is only 11pts lower than hers!
@Anonymous wrote:
@ArmyVietVet wrote:
@Anonymous wrote:Platinum Visa 0% for first 12 months no cash back or rewards.
The card you are referring to is a straight credit card. Now one thing about FNBO is they will offer upgrades not listed anywhere that are much better cards. For instance, I started with a FNBO Bucks Back Visa (rewards were 1:1) and one year later it was upgraded to a Vision Visa Signature Card (cash not rewards) no AF. The rewards were 1:1 so that is typical for FNBO and of late starting Aprs at 15.99% (high) and they do not lower Aprs as a general rule. All this is food for thought. Yes, their CLIs are generally SP and that is the one benefit. At one time they had an FNBO no AF AX with 2% gas and groceries but that is gone. They also offer a Maximum Rewards Visa SIgnature which used to earn 1.5 for every $1 cash spent but that is now 1:1 at 15.9% or higher and rewards that are rewards.
I got an offer for the plat visa as well. Wife got offer for NPSL AMEX thru them.
Irony of it is, my EX is only 11pts lower than hers!
As you know, FNBO's pre-quals are very solid. Have two FNBO Cards with one NPSL. Great CLs. As to rewards ... FNBO is in their own yesterday world. Great customer service and they are generally located in either in Omaha Nebraska or Yankton South Dakota. Believe the FNBO AX is 15.9% NPSL no AF with a rewards structure of 1:1. As to the Platinum Visa don't believe there are any rewards but a better interest rate is available (this card could upgrade to something else - if they are still doing upgrades on their own initiative).
@ArmyVietVet wrote:
@Anonymous wrote:
@ArmyVietVet wrote:
@Anonymous wrote:Platinum Visa 0% for first 12 months no cash back or rewards.
The card you are referring to is a straight credit card. Now one thing about FNBO is they will offer upgrades not listed anywhere that are much better cards. For instance, I started with a FNBO Bucks Back Visa (rewards were 1:1) and one year later it was upgraded to a Vision Visa Signature Card (cash not rewards) no AF. The rewards were 1:1 so that is typical for FNBO and of late starting Aprs at 15.99% (high) and they do not lower Aprs as a general rule. All this is food for thought. Yes, their CLIs are generally SP and that is the one benefit. At one time they had an FNBO no AF AX with 2% gas and groceries but that is gone. They also offer a Maximum Rewards Visa SIgnature which used to earn 1.5 for every $1 cash spent but that is now 1:1 at 15.9% or higher and rewards that are rewards.
I got an offer for the plat visa as well. Wife got offer for NPSL AMEX thru them.
Irony of it is, my EX is only 11pts lower than hers!
As you know, FNBO's pre-quals are very solid. Have two FNBO Cards with one NPSL. Great CLs. As to rewards ... FNBO is in their own yesterday world. Great customer service and they are generally located in either in Omaha Nebraska or Yankton South Dakota. Believe the FNBO AX is 15.9% NPSL no AF with a rewards structure of 1:1. As to the Platinum Visa don't believe there are any rewards but a better interest rate is available (this card could upgrade to something else - if they are still doing upgrades on their own initiative).
Solid as the pre-quals are, Both of us did go just a bit overboard with new accounts last year so we're firmly planted in the garden for the time being.
The offers just aren't enticing enough.
FNBO has always pulled Equifax for me.
It looks like their co-branded cards still have good rewards, but the regular FNBO cards seem to have 1% or 1 point rewards at best.
I have the Savingstar.com card, and of course if you can get the New York Life Visa Signature that has 1.5 points per dollar. Does anyone else know of any FNBO cards with better than 1 point/percent rewards?
