The Evergreen by FNBO is a personal credit card from Evergreen by FNBO. Application typically pulls a hard report from Experian. The annual fee is No Annual Fee.. The ongoing APR is Variable, approx. 17.24%–26.24% after a 0% introductory rate for 12 months. Approval typically requires a credit score of Good (670+) or higher. Signup bonus: $200 cash bonus (20,000 points equivalent) when you spend $1,000 within the first 3 billing cycles after account is opened.. Rewards: Earn unlimited 2% cash back on every purchase.. Cash back: 2% on every purchase. This product reports activity to your personal credit report. Ideal all-purpose card combining strong intro APR, flat-rate cashback, and flexible redemption. Santander Ultimate Cash Back Card. BT Fee: 5%, minimum $10. Post-intro APR: Variable, approx. 17.24%–26.24%