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 16.99% to 26.99% variable, based on creditworthiness, varies with the Prime Rate (after intro) after a 0.00% introductory APR for the first 18 billing cycles on purchases and balance transfers introductory rate.