Our illustration in the card’s colours, not its design
FNBO credit card
Business Edition® Secured Mastercard® Credit Card
$39 a year. Purchase APR Variable 24.24% APR, variable.
Checked Oct 12, 2026Updated
- Annual fee
- Receipt · Annual feeChecked Oct 12, 2026
Issuer's page · fnbo.com
“$39 annual fee 1”
- Purchase APR · variable
- Receipt · Purchase APRChecked Oct 12, 2026
Issuer's page · fnbo.com
“Variable 24.24% APR 1 on purchases and balance transfers based on the Prime Rate.”
Select an underlined figure to see where it comes from.
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | −$40 | −$40 | |
| Typical spender | −$40 | −$40 | |
| Heavy spender | −$40 | −$40 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
−$40a year
The same in the first year and after.
Rewards and credits$0
−$40 after the fee−$40 annual fee
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500.
−$40a year
The same in the first year and after.
Rewards and credits$0
−$40 after the fee−$40 annual fee
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250.
−$40a year
The same in the first year and after.
Rewards and credits$0
−$40 after the fee−$40 annual fee
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500.
Use your own spending
Estimates from the published terms above, as checked Oct 12, 2026; not advice. How we value cards
Against the market
How it compares
Other cards without rewards with fees up to $100
- Sabine State Bank And Trust Company MasterCardSabine State Bank And Trust Company · $12 a year+$30 a year
- AvantWebbank · $39 a yearabout the same
- NASCARCredit One · $39 a yearabout the same
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Benefits
- Contactless technology
- Zero Liability protection for fraudulent charges made with the card or account information
- Mastercard Easy Savings automatic rebates at over 40,000 participating merchant locations
- Free 24/7 online account access
- Cash flow management for supplies, equipment, travel and other business expenses
All 7 benefits
- Global Services assistance for replacement cards or emergency cash
- Rental car: Up to the limits indicated in the coverage disclosure
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Oct 12, 2026 Issuer's page · fnbo.com “$39 annual fee 1” |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Oct 12, 2026 Issuer's page · fnbo.com “Variable 24.24% APR 1 on purchases and balance transfers based on the Prime Rate.” |
| Balance transfer APR | Receipt · Balance transfer APRChecked Oct 12, 2026 Issuer's page · fnbo.com “Variable 24.24% APR 1 on purchases and balance transfers based on the Prime Rate.” |
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
Questions
- What is the annual fee?
- $39 · fnbo.com, since Sep 29, 2026