The FNBO is a business credit card from FNBO. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 17.49% to 28.24% variable, based on creditworthiness (Prime Rate + 10.74% to 21.49%; Summary of Credit Terms based on Prime 6.75% as of the 08/31/2026 determination date) after a 0.00% introductory APR on purchases for the first 6 billing cycles introductory rate for 6 months. Signup bonus: $200 cash bonus (20,000 points equivalent) when you spend $3,000 within the first 3 billing cycles after account is opened.. Rewards: 2 points (equal to 2% back) per $1 on Net Purchases, no category restrictions or cap; 10,000 bonus points each Qualification Period (account year) with $10,000+ in Net Purchases; points do not expire (forfeited if account closed); redeem for cash back, travel, gift cards, merchandise. Cash back: 2% on every purchase. Typical credit limit: Up to $50,000 (maximum credit limit). Loan terms: Revolving; due date at least 20 days after the close of each billing cycle; no interest on purchases if the entire balance is paid by the due date; minimum payment = New Balance if under $35, otherwise the greater of 2% of New Balance or $35, or fees and finance charges plus 1% of New Balance; interest on cash advances and balance transfers from the transaction date. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).