The 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 19.49% to 27.49% variable (Prime Rate 6.75% as of Aug 31, 2026 determination date; margin 12.74% to 20.74%) after a 0% intro APR on purchases and balance transfers introductory rate for 12 months. Rewards: 3X points per $1 spent on travel, dining and gas; 1X point per $1 spent on everything else. This product reports activity to your personal credit report.