Cash back · Visa · No annual fee
Last verified 2026-10-26. Review issuer source
FNBO BPme Rewards Visa is a no-annual-fee cash back card from FNBO. Its best everyday rates are 3% on dining, and 3% on grocery stores; everything else earns 1%.
On our reference budget of $24,600 a year it returns about $438, an effective 1.8% back.
Put the bonus categories on it and everything else on a flat 2% card. On its own the base rate drags the average down. It charges 3% on foreign purchases, so leave it home when you travel abroad.
3% Cash back on dining purchases
3% Cash back on grocery purchases
No welcome bonus is stored for this catalog entry yet.
15¢ off per gallon on bp and Amoco fuel purchases after the first 60 days of account being opened.
30¢ off per gallon on bp and Amoco fuel purchases in the first 60 days after account opening.
Safety when you drive
These come from Visa, not from FNBO. Every card on the Visa Traditional tier carries them, so they should not decide between two cards.
Purchase qualifying stays with your eligible Visa Credit or Debit card and get up to 8% in Travel Credits to use on future flights, stays, car rentals, attractions, car rentals, taxis and more. Sign up for a free Booking.com account to get started.
Eligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Enjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| BPme Rewards Visa®This card · 3% on dining | None | $438 | +$438 | 446th of 1,284 |
| Evergreen® by FNBOFNBO's most-held other card · 2% on everything | None | $492 | +$492 | 287th of 1,284 |
| Chase Freedom Flex® Credit CardThe strongest no-fee card on this budget · 7% on dining | None | $822 | +$822 | 1st of 1,284 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 2nd of 1,284 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
