which credit bureau it requests?

LustfortheMoment said:czarandy said: What if you don't make "substantial" charges?

Then this card (or the Orchard version) can be a reasonable deal when coupled with a 5% EDP card.........

If by "reasonable deal" you mean "better deal", then you are correct. 2% > 1.5% for Blue Cash.

LustfortheMoment said:

Vanilla, you're forgetting that AMEX Blue rebates 5% for supermarkets,drugstores,and fuel and does NOT have a $400/year rebate ceiling like Orchard or a 1 year limitation like FNBO.

And you are forgetting to mention that your statement is not true until you reach $6500 in charges on Blue ... why do you feel the need to endlessly pimp the AMEX Blue card? It's a decent card, but only for big spenders and those not willing to use different cards for different spending categories. Can you just use that card if you like and stop pumping it?

It's a decent card, but only for big spenders and those not willing to use different cards for different spending categories.

All true. I just like the simplicity of carrying only two cards in my wallet. Those who wish to carry a restaurant card can certainly derive even more cash rebate. As for big spenders:

"The minute you walked in the joint,
I could see you were a man of distinction,
A real big spender,
Good looking, so refined.
Say, wouldn't you like to know
What's going on in my mind?
So, let me get right to the point,
I don't pop my cork for ev'ry guy I see.
Hey, big spender, spend...
A little time with...me...me...me!"

i had seen it when it i logged in ,
i am not sure if u can directly
search but neways the links shud directly take you there

thanks

Direct line to their credit dep:

1(800)444-6220

They are closed on weekends.

is this better than the hsbc 2% CashBack card?

Pick your poison. This card doesn't have a limit on annual rebates but only offers 2% for one year.

The HSBC (Orchard) card offers 2% indefinitely, but will only rebate $400/year.

This one is my favorite on the reward terms

Additional important restrictions, terms and conditions apply and will be provided to you when you become an approved member.

and

Points will expire on or after the third anniversary of when they were awarded.

and

Points are redeemable via rewards credits (to your FNBO Direct online savings account) in $25 (2,500 point) increments.

why not just credit them without you having to request to redeem them....

I am thinking there is some undisclosed restriction that makes this deal no so special .........

Anyone apply for this?? Any special 'gotchas'?

I'm emailing them right now to find out about limits on the 'Bonus Points'..

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FNBO Direct ExtraEarningsSM
REWARD TERMS AND CONDITIONS

In order for you to receive or redeem reward points, you must have an FNBO Direct online savings account and your credit card account ("Account") must be in good standing. Reward points are not made until they show on your Account statement, and we reserve the right to retroactively correct errors made in awarding and redeeming points. You will earn one point for each one dollar in Qualifying Credit Card Transactions posted to your Account. "Qualifying Credit Card Transactions" means authorized new purchases posted to your Account, net of refunds, credits (for returned merchandise or otherwise) and disputed billing items (alternatively, points may be deducted for awards based on purchases that are subsequently subject to a refund, credit or dispute). "Qualifying Credit Card Transactions" do not include, without limitation, cash advances, special check transactions, balance transfers or charges for credit insurance or debt cancellation. In addition to the points described above, during the first 12 billing cycles after your account is opened you will earn 1 additional bonus point(s) for each $1.00 in Qualifying Credit Card Transactions you make. After the first 12 billing cycles after your account is opened, you will no longer earn such bonus points but you will earn regular points as described above. There is no limit to the total number of points that you can earn, but there may be limits on bonus points. Points are redeemable via rewards credits (to your FNBO Direct online savings account) in $25 (2,500 point) increments. In order receive a rewards credit, you must take action to redeem your points by following the steps set forth at www.fnbodirect.com. Points will expire on or after the third anniversary of when they were awarded. Additional important restrictions, terms and conditions apply and will be provided to you when you become an approved member.
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