The FNBO is a personal credit card from FNBO. Application typically pulls a hard report from Experian. The annual fee is $0. Signup bonus: $200 bonus (20,000 points equivalent) when you spend $1,000 within first 3 billing cycles after account is opened. Rewards: 2% unlimited cash back on every purchase; redeem as statement credit, ACH deposit or check. This product reports activity to your personal credit report.