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 15.24% to 25.24% variable (Prime Rate 6.75% as of Aug 31, 2026 determination date; margin 8.49% to 18.49%) after a 0% intro APR on purchases and balance transfers introductory rate for 18 months. Rewards: None (no rewards program; card is built around 0% intro APR for 18 billing cycles). This product reports activity to your personal credit report.