The FNBO Complete Rewards Visa Signature, launched in September 2026, earns 5 points per dollar on a broad definition of travel, including airlines, hotels, car rentals, cruises, transit, taxis, and tolls, with no annual fee. Add 3 points per dollar on streaming and pay TV, 2 on gas and EV charging, and a 15,000-point bonus (valued by FNBO at $150) after $500 in purchases within the first 3 billing cycles, and it is a solid no-fee earner for frequent travelers and commuters. The catch is a foreign transaction fee, which undercuts that strong travel rate the moment you spend outside the U.S. Everything outside the bonus categories also earns just 1 point per dollar. It fits best as a domestic travel and transit card rather than a passport companion.
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 |