Evergreen® Credit Card
A no-annual-fee cash back card from FNBO.
Rates, fees, and full terms are set by FNBO and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.
Our review
The Evergreen® Credit Card is a flat-rate cash back card from FNBO, running on the Visa network. The Evergreen® Credit Card keeps things simple, earning a flat 2x on every purchase with no categories to track or quarterly activations. There is no annual fee, which means every dollar of rewards is pure profit. New cardholders can earn 20,000 points ($200 cash bonus) after $1,000 in the first 3 billing cycles.
It is built for simplicity. There are no categories to track, no quarterly activations, and no annual fee, which makes it one of the easier cards to set and forget while still earning a respectable flat rate.
Think twice if: you have heavy, predictable spending in one category, where a card with a higher bonus rate there would simply earn you more.
Our 7.6 out of 10 rating
Each score weighs the rewards rate, value after the annual fee, welcome offer, points flexibility, and perks, with every point valued at a flat 1 cent. This is our editorial assessment to help you compare cards, not a guarantee of approval or of the value you will get.
Earning rates at a glance
Rewards: how it earns
The Evergreen® Credit Card earns a flat 2x on every purchase. On a typical $29,160 of annual average household spending that comes to about $583 back a year, with nothing to track or activate.
| Category | Rate | Notes |
|---|---|---|
| Dining and restaurants | 2x | Base rate |
| Groceries | 2x | Base rate |
| Gas | 2x | Base rate |
| Travel | 2x | Base rate |
| Streaming | 2x | Base rate |
| Everything else | 2x | Everything else |
The fine print on rates: Nationally available, though rates and terms can vary by county of residence. Cash back is fixed value and does not transfer to travel partners.
Every point and mile above is valued at a flat 1 cent, the same honest standard we use for every card. Run your own spending through the calculator to see what this card would actually return for you.
Best ways to earn & redeem
Use it as a flat-rate everyday card, since it earns the same on every purchase, and pair it with bonus-category cards for groceries, dining, and travel.
When you cash in, take the rewards as cash back or a statement credit, worth a flat 1 cent each. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.
Pros and cons
- Flat 2x on every purchase
- No annual fee
- Welcome offer worth about $200
- Few real drawbacks for the right user
The welcome bonus
The current welcome offer is 20,000 points ($200 cash bonus), earned after you spend $1,000 in the first 3 billing cycles. Valued honestly at a flat 1 cent per point, that is worth about $200. Stacking the welcome offer on top of a typical year of rewards and accounting for no annual fee, the first year is worth roughly $783.
First-year value vs ongoing value
| Welcome bonus | 20,000 points ($200 cash bonus) |
| To earn it | $1,000 in the first 3 billing cycles |
| Est. first-year value* | $783 |
| Est. ongoing value / yr* | $583 |
The welcome bonus makes year one the high point: roughly $783 in value once you count the bonus, this card’s rewards, and its credits, minus the no fee. After that, the honest figure is about $583 a year, so judge whether it earns its keep on the ongoing number, not the first-year headline.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent, on average spending.
Benefits and protections
Beyond the rewards, the perks and protections worth knowing about include:
- No categories to track and no caps
- Redeem as a statement credit, deposit, or check
Statement credits
This card does not come with recurring statement credits. Its value is in the rewards rate and welcome offer.
Who should get it, and who should skip it
It is best for anyone who wants the simplest possible setup: one flat rate on everything, no categories to track, and no annual fee to earn back.
Skip it if you have heavy, predictable spending in one category, where a card with a higher bonus rate there would simply earn you more.
Alternatives to the Evergreen® Credit Card
Pairs well with
The Evergreen® Credit Card earns a flat rate on everything, so pair it with a category card or two to earn more where you spend the most.
Frequently asked questions
Best-card guides featuring this card
Learn more
How does it rank for your spending?
Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the Evergreen® Credit Card lands.
Calculate My CardOffer details verified against issuer sources as of October 2026. Editorial opinions are our own. Cardocrat values all points at a flat 1 cent and never inflates redemptions.
