Platinum Edition® Visa® Card — FNBO is a personal credit card from FNBO. Application typically pulls a hard report from Experian. The annual fee is No annual fee. The ongoing APR is variable APR based on the Prime Rate, between 16.99% and 26.99% APR after a 0% introductory APR on purchases and balance transfers introductory rate for 18 months. This product reports activity to your personal credit report.