Cash back · Visa · No annual fee
Last verified 2026-09-09. Review issuer source
FNBO Ducks Unlimited Rewards Visa is a no-annual-fee cash back card from FNBO. It earns 1.5% on every purchase with no categories to track.
On our reference budget of $24,600 a year it returns about $369, an effective 1.5% back. The welcome bonus, $35, adds to the first year's return.
It is a fine only card. It loses to category cards for people who spend heavily on one thing, and even then it belongs in the wallet for everything else. It charges 3% on foreign purchases, so leave it home when you travel abroad.
Get a one-time $35 statement credit1 when you make your first purchase during the first 3 bill cycles after account opening, with the Ducks Unlimited Visa Card.
FNBO adds nothing beyond the Visa Traditional benefits below.
These come from Visa, not from FNBO. Every card on the Visa Traditional tier carries them, so they should not decide between two cards.
Get free access to Dovly Uplift. Dovly helps you raise your credit score and get more for your money. While Dovly's platform is designed to remove inaccuracies from your credit report, every case is different, and not everyone will achieve the same results.
Eligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
This is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
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 |
|---|---|---|---|---|
| Ducks Unlimited Rewards Visa®This card · 1.5% on everything | None | $369 | +$369 | 488th of 1,291 |
| Evergreen® by FNBOFNBO's most-held other card · 2% on everything | None | $492 | +$492 | 288th of 1,291 |
| Savor RewardsThe strongest no-fee card on this budget · 3% on dining | None | $642 | +$642 | 4th of 1,291 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 1st of 1,291 |
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.
