FNB Visa Credit Card with ScoreCard Rewards Review

Who is the FNB Visa Credit Card with ScoreCard Rewards for?

The FNB Visa Credit Card with ScoreCard Rewards is best for those that want to earn rewards on their everyday purchases. With the ScoreCard Rewards, members of this card are awarded 1 point per dollar spent. These points can be used in a wide range of products and experiences.

This card is also great for those wanting to lower their debt payments and finance expensive purchases. With the competitive APR offered by this card, cardmembers can enjoy lower interest payments on debt and finance purchases at a lower overall cost.

If however, you're looking for a credit card that has more competitive offerings such as a welcome bonus and other benefits and credits, this card may not be the best choice for you.

Rewards Rate

The FNB Visa Credit Card with ScoreCard Rewards offers 1 point per dollar spent on qualifying purchases. Also, this rewards program allows you to earn unlimited points with no limit.

Everyday purchases such as groceries, essentials, and gas can earn points. You can redeem your reward points for merchandise, discounts, and experiences. For example, you can earn yourself a Roku Streaming Player or enjoy a five-night luxury cruise voyage for two. With a variety of brands in an endless catalog of rewards to choose from, this rewards program is well rounded.

Unlike other reward cards, however, this card's reward points expire five years after they are issued. You'll receive notifications on your monthly statement notifying you in advance of any points that are set to expire. If you're looking to save up for a big reward, this card's expiry policy may affect that goal depending on your spending. Therefore, this card is best suited for individuals who regularly use their credit cards to make purchases. Other cards that offer no expiration on points are better for those that are occasional to moderate shoppers.

Low APR on Balance Transfers and Purchases

This card offers one of the most competitive APR for balance transfers and purchases. To exemplify, this card provides a 16.49% variable APR on both balance transfers and purchases. Most credit cards offer 21.99%-24.99% variable APR, making this card stand out amongst others. Those that can not qualify for cards that offer introductory 0% APR due to their low credit scores, should highly consider this credit card.

With a low APR on balance transfers and purchases, it may be wiser for cardholders to make expensive purchases on this card. Further, cardmembers should seek to transfer their existing debts to this card so that they can enjoy low-interest payments. Debt such as student loans, personal loans, and auto loans should be transferred to this card if this card offers interest payments that are lower than what you already pay.

No Welcome Bonus

With no welcome bonus offered by this card, there may be limited incentive to apply. If you're interested in the ScoreCard Rewards program though, you should definitely give this card a try as it is much simpler to manage.

No Annual Fee

With no annual fee charged for this card, the competitive APR and rewards program is well worth it. As other cards would normally charge annual fees as high as $89, this card offers a points system along with lower APR for no cost to you.

Conclusion

The FNB Visa Credit Card with ScoreCard Rewards is a decent rewards card that offers an extensive catalog for point redemption. It lacks, however, in the area of offering other benefits and credits as do other credit cards like it. It compensates for this partly by offering an APR on the lower end of the spectrum. In short, this card is worth the try if you see yourself using the lower APR on balance transfers and purchases or using it to gain rewards points but don’t mind not receiving other incentives.