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Cash back
As recorded in the spreadsheet. Conditions and combined limits still apply; these aren’t calculated recommendations.
| Category | Rate | Cap / limit | Conditions |
|---|---|---|---|
| Everything (flat rate — no bonus categories) | 2% | — | No bonus categories — the base rate applies to all spend. |
$200.00
Cash back
$200 cash back — paid as 20,000 points — after $1,000 in purchases in the first 3 months.
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.
Filled in the Oct 29, 2026 pass from FNBO Evergreen offer listings (Frequent Miler's Oct 2026 offers list: $200 back; WalletHub: 20,000 points after $1,000 in 3 months).
Offer type, as listed: Public