Maximum Rewards® World Mastercard® — FNBO is a personal credit card from FNBO. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is Variable, based on the Prime Rate, 18.99% to 28.99% APR after a 0% intro APR on purchases and balance transfers for the first 12 billing cycles introductory rate. Rewards: Unlimited 1.5% cash back. This product reports activity to your personal credit report.