FNBO's new Complete Rewards Visa Signature leads with 5 points per dollar on a broad travel category that covers airlines, hotels, car rentals, cruises, transit, taxis, and tolls, all with no annual fee. It adds 3 points per dollar on cable, satellite, and streaming services and 2 points per dollar at gas stations and EV charging, with 1 point per dollar on everything else. The welcome offer is modest but easy to reach: 15,000 points, which FNBO values at $150, after $500 in purchases within the first 3 billing cycles. The real catch for a travel-focused card is the foreign transaction fee, which makes it a poor choice for purchases made abroad. It fits best as a no-fee card for domestic travel and commuting costs, paired with a different card for international trips.
Earn rates & credits
| Category | Rate |
|---|---|
Travel Airlines, hotels, car rental, cruise lines, travel agencies, transit, taxis, tolls, and timeshares by merchant category code | 5x |
Streaming Cable, satellite, and other pay television, radio, and streaming services (MCC 4899) | 3x |
Gas Service stations, automated fuel dispensers, and EV charging | 2x |
Everything Else | 1x |
Card details
Regular APR | 18.99%–28.99% variable |
Foreign transaction fee | Yes |