Our illustration in the card’s colours, not its design
FNBO credit card
Orvis Rewards Visa® Card
No annual fee. 5,000 points welcome bonus. Purchase APR 26.49–26.99%, variable.
Checked Nov 1, 2026Updated
- Welcome offer
- Receipt · Welcome offerChecked Nov 1, 2026
Issuer's page · orvis.com
“Cardmembers earn 5,000 bonus points (a $50 value) after spending $1,000 within the first 3 billing cycles after account opening**.”
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
CFPB credit card survey · Reported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
- Purchase APR · variable
- Receipt · Purchase APRChecked Nov 1, 2026
CFPB credit card survey · Reported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 1, 2026
CFPB credit card survey · Reported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
Select an underlined figure to see where it comes from.
FNBO’s terms
Welcome offer
5,000 points
$1,000 in Net Purchases posted to the Account within the first 3 consecutive billing cycles after account opening
Bonus points (a $50 value, shown as a $50 Orvis Gift Card in the offer) are added after the first $1,000 in Net Purchases posts within the first 3 consecutive billing cycles after the Account is opened; allow up to 8 weeks for points to post. Separately, new cardmembers get $25 off today's purchase if instantly approved online: one-time use on merchandise at Orvis.com only, excluding Barbour, Dubarry of Ireland, Leatherman, Brackish, and YETI merchandise, gift cards, specialty schools, Orvis Trips, shotguns, ammunition, previous purchases, taxes, shipping, and handling; no cash value.
- Smaller than about 100% of the 44 other points bonuses we track.
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 | $0 | $0 | |
| Typical spender | $0 | $0 | |
| Heavy spender | $0 | $0 |
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
Assumed: rewards spendable only with Orvis Card Rewards Program: not counted (brand_rewards).
$0a year
The same in the first year and after.
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: rewards spendable only with Orvis Card Rewards Program: not counted (brand_rewards).
$0a year
The same in the first year and after.
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: rewards spendable only with Orvis Card Rewards Program: not counted (brand_rewards).
$0a year
The same in the first year and after.
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: rewards spendable only with Orvis Card Rewards Program: not counted (brand_rewards).
Use your own spending
Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards
Against the market
How it compares
- No annual fee, like about 85% of the 711 cards we track.
- Lower top APR than about 70% of the 163 cards on our Sign-up bonuses list (see the list).
Other points cards with no annual fee
- Kirtland FCU VISA PLATINUM REWARDSKirtland Federal Credit Union · No annual fee+$755 a year
- CareCredit MastercardSynchrony · No annual fee+$710 a year
- Advanced Financial FCU Everyday Rewards VisaAdvanced Financial Federal Credit Union · No annual fee+$695 a year
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
Orvis Card Rewards Program
How you earn
- 3×
- qualifying Orvis purchases (Orvis Purchases)
- 1×
- Everything else
Points per dollar.
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Balance transfer fee | Receipt · Balance transfer feeChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Cash advance APR | Receipt · Cash advance APRChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Cash advance fee | Receipt · Cash advance feeChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Late payment | Receipt · Late paymentChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Grace period | Receipt · Grace periodChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Minimum interest charge | Receipt · Minimum interest chargeChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
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?
- None · Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- Yes: 3%. · Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
- What is the purchase APR?
- 26.49–26.99% APR · Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
- Is there a welcome bonus?
- 5,000 points after $1,000 in purchases. · orvis.com, since Nov 1, 2026