You can't apply for a Fnbo card if you are not in the area :( I am in TN

[Anonymous]

What about the ducks unlimited card? People seem to be getting that one? The Travelite is their most appealing card imo, and the Penfed Pathfinder is a carbon copy but one that you can actually get without having to summon the mythical cosmic entity known as The Other using meteor crystals over a virgin blood sacrifice on the seventh hour of a blood moon when the stars are cosmically aligned with the pyramids - and even that only works if you don't have too many inquiries (in my experience that number is 3). I've heard they send out mailers too but I probably have a better shot with the former method.

[SBR249]

FNBO's cobranded cards like Ducks Unlimited are actually issued through a separate division called First Bankcard which I believe do not apply geo-restrictions. Regular FNBO cards however are issued by their core bank which does. This is a similar business arrangement to what Citi does for its own cards and store cards, which are issued by different divisions. 

[Medic981]

I received a preapproved FBNO offer last month. I am in a neighboring state so perhaps I am in their footprint.

[JoeLuvsHisCredit]

Thanks everybody

[Poppa]

I live in TN. I have a Ducks Unlimited card. I'm almost certain either me or my wife received a FNBO mailer in the last couple of years. 

[spiritcraft1]

And what is FNBO Direct...  is this new?

https://www.fnbodirect.com/extra-earnings-visa/

[FinStar]

No, FNBO Direct is not new. It's a separate division of FNBO. IIRC, you'd have to be a current customer to apply for any of their CC products.

All the CCs are still issued by First Bankcard which is the lending arm for FNBO.