5 Things to Know About the Evergreen Credit Card

The Evergreen by FNBO Credit Card offers simple, straightforward cash-back rewards on all purchases, with no limits on how much you can earn. However, you must live in a state with a First National Bank of Omaha branch location to be eligible for the card.

Here are five things to know about the Evergreen Credit Card.

» MORE: What is FBNO, and are its credit cards right for you?

1. It earns a solid cash-back rate

The Evergreen Credit Card earns 2% cash back on all purchases, with no limit on how much cash back you can earn. That makes it a good option if you want the simplicity of using just one credit card. It can also be paired with other cards that earn 3% back or more in specific spending categories, so no matter what, you always earn at least 2% back.

» MORE: Credit cards that earn 2% cash back on all purchases

2. There’s a sign-up bonus

As of this writing, new cardholders can earn a $200 cash bonus after spending $1,000 within the first 3 months. That puts it on par with other cash-back cards that offer welcome bonuses and similar reward rates on purchases.

3. You can redeem rewards in several ways

You can redeem your earned rewards as a statement credit, deposit into a checking or savings account, or a check mailed to you. If you opt for a direct deposit, it can go into an account with any financial institution, not just one with FNBO. Rewards don’t expire.

4. There’s no annual fee

Like other similar cash-back cards, the Evergreen Credit Card charges a $0 annual fee.

5. You must live in certain states

Here’s the catch: To apply for the Evergreen Credit Card, you must live in an area with an FNBO branch. This includes Colorado, Illinois, Iowa, Kansas, Nebraska, South Dakota, Texas and Wyoming.