Platinum Edition® 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, 16.99% to 26.99% APR after a 0% intro APR on purchases and balance transfers for the first 18 billing cycles introductory rate. Rewards: No rewards (not a rewards card). This product reports activity to your personal credit report.