Best FNBO Credit Cards (2026)

The Amtrak Guest Rewards Preferred Mastercard is currently the top-rated FNBO card, offering a $99/yr annual fee and a strong welcome offer for new cardholders.

Yes — the Amtrak Guest Rewards Mastercard has no annual fee and earns 1x base rewards on purchases.

Most FNBO credit cards require good to excellent credit (typically 670+). Premium travel cards like the top-tier options generally require a score of 720 or higher for the best approval odds.

FNBO credit cards earn points, miles, or cash back depending on the card. Category cards earn accelerated rates in your top spending areas, while flat-rate cards keep things simple.

FNBO points and miles offer strong value, especially when redeemed for travel. Pairing multiple FNBO cards can maximize your earning across categories.

You can apply directly through https://www.fnbo.com or by clicking the "Apply Now" buttons above. Most applications receive an instant decision online.