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Universal Rewards points (1¢ via Universal FUNds)
Added 2026-10-29 from universalrewardsvisa.com/orlando (user-linked). Issued by FNBO (First National Bank of Omaha). 2× on qualifying Universal purchases, 1× elsewhere. $150 statement credit after $250 spend in the first 3 billing cycles (see Signup_Bonuses). Points are worth 1¢ each but redeem only via a physical Universal FUNds Visa Prepaid Card ($25 minimum, $25 increments, max $1,000 per card, ~10 business days by mail) usable at Universal locations and for travel booked directly with airlines/hotels; unredeemed points expire on/after the 3rd anniversary of award. 0% APR for 6 months on Eligible Purchases (single transaction of $1,000+ in qualifying Universal purchases). APR 21.24%–28.24% variable; 3% foreign transaction fee (FNBO Summary of Credit Terms). Linked-page offer: apply by March 2, 2027.
As recorded in the spreadsheet. Conditions and combined limits still apply; these aren’t calculated recommendations.
| Category | Rate | Cap / limit | Conditions |
|---|---|---|---|
| Universal purchases | 2× | — | Qualifying Universal Purchases per FNBO terms — theme parks, CityWalk, Universal-owned hotel/airport merchandise stores and Universal websites; third-party vendors generally excluded |
$150.00
Statement credit
Earn $150 as a statement credit when you spend $250 within the first three billing cycles after your Universal Rewards Visa Signature® Card account is open (universalrewardsvisa.com/orlando; apply by March 2, 2027). Offers vary by application channel — apply through this offer to get these terms.
Uses the reported cash amount at face value. Excludes additional components, matches, annual fees, and the cost of meeting qualifying spend. This is not a purchase reward rate.
These are source research notes, not a determination that you qualify. Family rules may apply only to the products named below. Confirm current issuer terms.
FNBO application rules
Window start event: Confirm the exact starting event with the issuer. A completion window is not the offer expiration date.
Added 2026-10-29 from the user-linked Universal Rewards page (FNBO). Statement credit — Bonus Type is Cash, so the cents-per-point cell is blank and estimated value equals the amount.
Offer type, as listed: Public