Points · Visa · $99 annual fee
Last verified 2026-09-09. Review issuer source
FNBO Universal Rewards Plus Visa Signature is a $99-a-year points card from FNBO. Its best everyday rates are 2x on dining, 2x on gas stations, and 2x on travel; everything else earns 1x. There is also 4x on Universal, a single-merchant rate. Rewards are Universal points that only spend inside that program, so we value them at roughly a third of a cent each.
On our reference budget of $24,600 a year it earns $112, which clears the $99 fee with $13 to spare before any credits or perks. The welcome bonus, $250, is the strongest reason to open it in a given year.
Get it if you already fly or stay with Universal often enough to use the perks. A general travel card earns points that go more places. It charges 2% on foreign purchases, so leave it home when you travel abroad.
2% Back in Rewards on Dining purchases
2% Back in Rewards on Gas purchases
2% Back in Rewards on Travel purchases
4% Back in Rewards on Universal purchases
Earn $250 as a Statement Credit after your first purchase within the first three billing cycles after your Universal Rewards Plus Visa Signature® Card account is open.
10% off select merchandise, food and beverage purchases at select locations throughout Universal theme parks and Universal CityWalk in Orlando and Hollywood.
Earn one (1) single day theme park general admission ticket to (i) Universal Islands of Adventure and Universal Studios Florida or (ii) Universal Studios Hollywood on or shortly after your card anniversary when you spend $6,000 or more with your Universal Rewards Plus Visa Signature Card during each 12 billing cycle period.
Access to The Visa Everywhere Lounge inside Universal Studios Hollywood, and coming soon to Universal Studios Florida.
These come from Visa, not from FNBO. Every card on the Visa Signature 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.
Enjoy automatic Silver Status when you sign up for Troon Rewards®, for 10% savings on golf fees, merchandise and lessons at over 150 golf courses across the United States and the world.
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.
Eligible Visa cardholders can now use the GigSky app to access complimentary or discounted global mobile data, in 175+ countries and destinations worldwide as well as on over 200 of the world’s top cruise ships.
When you are traveling or working anywhere in the world, your covered Visa card gets you access to a multilingual call center 24 hours a day, 365 days a year to help get the assistance you need. As a covered cardholder, you, your spouse and dependent children under 22 years of age who are traveling with can call a dedicated toll-free number in the United States, or call collect when traveling abroad.
Get exciting benefits at Universal Studios Hollywood and Universal Orlando Resort when you pay with your Visa Signature® or Visa Infinite® card.
Get assistance with travel planning, entertainment tickets and more.
Enjoy special guest status at 900+ Visa Signature Luxury Hotel properties worldwide.
Book your next road trip with your Visa Signature card to receive up to 25% off base rates on qualifying rentals from Avis and Budget. Your card can also unlock complimentary upgrades (when available), waived Additional Driver Fee and 10% saving on XM Satellite radio during rental.
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 |
|---|---|---|---|---|
| Universal Rewards Plus Visa Signature®This card · 2x on dining | $99 | $112 | +$13 | 1054th 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.
