ANA CARD U.S.A. Plus — FNBO is a personal credit card from FNBO. The annual fee is US $85. The ongoing APR is 23.74% when you open your account. This APR will vary with the market based on the Prime Rate.. Signup bonus: Receive 5,000 bonus miles after your first purchase. Rewards: Earn 2x Miles per $1 spent on eligible ANA purchases, such as booking ANA flights; Earn 1X Mile per $1 spent on all other purchases.