FNBO Gas Rewards Credit Card Gives You 3% Cashback on Gas Purchases

Looks like the 3% cashback from Chase Freedom card is a thing of the past.

Though you can still save 3% on gas purchases with AMEX Costco TrueEarnings card (BTW, you get $25 statement credit if you open a new account), the problem with AMEX card is that not every gas station takes AMEX. I’d rather use a card that’s accepted everywhere, as MasterCard or Visa.

There are not many choices these days as credit card issuers cut back on rewards programs and raise interest rates.

Then yesterday I found a credit card that could be the replacement if Chase decides to downgrade my Freedom card: The FNBO Gas Rewards Platinum Edition Visa Card. FNBO, or First national Bank of Omaha, also operates the popular FNBO Direct Bank (if you are not familiar with FNBO Direct, check out my Reviews page for more discussions). Features of this card include:

• 0% introductory APR on purchases for the first six billing cycles after your account is opened.
• 5% back on qualifying gas purchases for the first three billing cycles after your account is opened.
• 3% back on qualifying gas purchases after that.
• 1% back on all other qualifying purchases.
• No annual fee.
• Online access to view transactions, pay your bill, view up to seven years of prior statements and more!
• Protect yourself from unauthorized use of your card or account information with Visa’s Zero Liability policy.

Rewards from FNBO Gas card is given as points and you can earn 1 point for each dollar spent on other than gas, which will reward you 3 points after the first three billing cycles. The maximum rewards points you can earn in one year is 600,000 points which equal to $600 cash. Rewards can be redeemed in 2,500 points ($25) increments.

From what I can see, this card looks pretty good in terms of rewards. Anybody is using it?

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