RateHerald

Our illustration, not the card’s design

FNBO credit card

Premio Mastercard®

No annual fee. 5,000 points welcome bonus. Purchase APR 23.74–24.24%, variable. No foreign transaction fees.

Checked Nov 1, 2026Updated

Welcome offer
Annual fee
Purchase APR · variable
Foreign transactions

Select an underlined figure to see where it comes from.

FNBO’s terms

Welcome offer

5,000 points

$20,000 or more in Net Purchases

Earned during each Qualification Period, which generally corresponds to the cardmember anniversary period; the product page describes this as annual spending. Points may take up to 8 weeks after the end of the applicable Qualification Period to be added.

  • 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.

SpendingValue against the feeFirst yearAfter
Light spender$120$120
Typical spender$300$300
Heavy spender$660$660
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: welcome bonus needs $20,000 in 3 months.

$120a 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: welcome bonus needs $20,000 in 3 months.

$300a 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: welcome bonus needs $20,000 in 3 months.

$660a 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: welcome bonus needs $20,000 in 3 months.

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

Worth more to a typical spender than about 70% of the 732 cards we track.

  • No annual fee, like about 85% of the 711 cards we track.
  • Lower top APR than about 85% of the 163 cards on our Sign-up bonuses list (see the list).

Other cash back cards with no annual fee

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

Cashback Rewards Program

How you earn

1%
Everything else

Cash back, as a share of each purchase.

Benefits

  • No foreign transaction fee for new applicants and cardmembers who applied on or after August 16, 2017.

Every figure with its receipt

Rates and fees

Annual fee
Purchase APRvariable
Balance transfer fee
Cash advance APR
Cash advance fee
Late payment
Foreign transactions
Grace period
Minimum interest charge

Before you apply

  1. 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).
  2. 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?
No. · Reported to the CFPB, Dec 31, 2025, since Oct 4, 2026
What is the purchase APR?
23.74–24.24% APR · Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
Is there a welcome bonus?
5,000 points after $20,000 in purchases. · premio.com, since Oct 12, 2026
Read the card agreement

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