The Ducks Unlimited Rewards Visa® Card — FNBO is a personal credit card from FNBO. The annual fee is None. The ongoing APR is 27.99% when you open your account. This APR will vary with the market based on the Prime Rate.. Signup bonus: Earn a one-time $35 statement credit after your first purchase within the first 3 billing cycles after account opening.. Rewards: EARN 3% BACK on Ducks Unlimited purchases for the first $10,000 during each 12 consecutive billing cycle after account opening; EARN UNLIMITED 1.5% BACK on everyday purchases.