March 31, 2020
74 Comments
by William Charles
Update 3/31/20: Not sure when this happened but the landing page no longer shows 5% back on sporting goods stores and gas purchases. Now just shows 1.5% cash back on all purchases. Not sure if this also affects existing cardholders. Hat tip to reader John D
FNBO offers a ducks unlimited credit card. This card is somewhat interesting as it offers 5% cash back in select categories and a portion of every purchase helps funds wetlands conservation.
Contents
- 1 Card Basics
- 2 Our Verdict
Card Basics
- Card has two options: Rewards card & Low Intro Rate card.
- Rewards card earns 5% back on sporting goods stores and gas purchases & 1% back on all other purchases
- Low intro rate card has a 0% introductory APR on purchases and balance transfers for first 12 billing cycles
- Card has no annual fee
- A portion of every purchase goes towards Ducks Unlimited
Our Verdict
This is basically the same rewards as the NRA card. Both are issued by FNBO, but this supports ducks unlimited and that card supports the NRA. That card also has a $40 sign up bonus.
Hat tip to readerRobert Fanshaw
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74 Comments
newest
oldest most voted
Zack(@guest_1708948)
October 4, 2023 17:26
#1708948
Still earning 5% on gas in Oct 2023!!! Hoping they never change it 🙂
1
Reply
Alex(@guest_1413049)
July 21, 2022 14:57
#1413049
As of 07/21/2022 5% back works on both – gas and sporting goods!
2
Reply
Neil(@guest_1107753)
December 12, 2020 00:06
#1107753
As of December 2020, still getting 5% on gas with my ducks unlimited card. I hope they let us know if they make any changes to the card so I know when to stop using it.
3
Reply
Alex(@guest_973390)
May 6, 2020 07:19
#973390
I have the card since last year – existing owners are not affected by the change. Still earning 5% back on gas.
3
Reply
Dan(@guest_987563)
May 27, 2020 17:35
#987563
Alex
Same here, still getting 5% on gas
2
Reply
AL_PF(@guest_949835)
April 1, 2020 16:49
#949835
Looks like that’s one less card I’ll be getting long-term.
1
Reply
cc(@guest_949827)
April 1, 2020 16:41
#949827
Just got off with CSR rewards structure remains at 5%5% for existing card members at this time and new applicants is the 1.5% crud. They offered to change me to the 1.5% reward structure if I wanted, obviously I opted not to. So if you already have the card you are safe for now at the 5% cats.
8
Reply
Jethro Tuller(@guest_949837)
April 1, 2020 16:50
#949837
cc
Thanks for the info. Why would they even make the not-so-generous offer. PenFed is still doing the 5% rewards at the pump for existing cardholders.
1
Reply
Matt(@guest_950085)
April 1, 2020 22:09
#950085
cc
phew…..hoping this post isn’t april fool’s 🙂
1
Reply
Jethro Tuller(@guest_949743)
April 1, 2020 14:37
#949743
Interesting that if you go directly to the FNBO website, it offers a 2% cashback card. While the Ducks Unlimited shows 1.5%.
2
Reply
Jethro Tuller(@guest_949637)
April 1, 2020 12:35
#949637
Wow – Glad I kept Fort Knox and PenFed. Although they are at the pump only. PNC offers 4% on Gas, inside and out.
1
Reply
savingwizard(@guest_950048)
April 1, 2020 20:58
#950048
Jethro Tuller
Both Fort Knox and PenFed are pump only? Not in the attached convenient store?
Reply
Jethro Tuller(@guest_950697)
April 2, 2020 18:39
#950697
savingwizard
savingwizard That’s correct. When Freedom offers the 5% at Gas Stations, it’s inside and out.
1
Reply
Frugal Nellie, aka Lela(@guest_956437)
April 13, 2020 01:20
#956437
Jethro Tuller
Jethro Tuller You’ve tried this? Have you tried 7-11 for Fort Knox? I am just about to submit my financial docs in an application to Fort Knox, and if they don’t give 5% at 7-11, then I don’t want to give up one of my Chase 5/24 slots for this card!
Reply
Jethro Tuller(@guest_956729)
April 13, 2020 19:04
#956729
Frugal Nellie, aka Lela
I haven’t tried it, but when I asked the credit union, they said Pump Only. As I understand it, it’s a separate MCC at any pump.
1
Reply
Frugal Nellie, aka Lela(@guest_956863)
April 13, 2020 22:02
#956863
Jethro Tuller
Thanks!
Reply
Evan M Mullen(@guest_949497)
April 1, 2020 09:51
#949497
Guess I’m glad I went with the Fort Knox (now Abound) Visa
1
Reply
animous (full of spirt, resolute)(@guest_949426)
April 1, 2020 06:48
#949426
yea I love this card and it is still showing as 5% back on everything bought at gas stations and sporting goods in my terms online. its probably everyone buying guns with this card during the pandemic that made them change there mind on 5%. but seriously, I have gas stations in my town that offer AMEX SERVE reloads and visa Vanilla cards. your suppose to reload using cash but as long as do a split payment and give them 5$ in cash along with my 495$ credit card payment in which I earn 5% cash back. its been a gold mine. I’ve earned $2,500+ in cash back this year with the ducks Unlimited card. so I really hope the terms stay and I get grandfathered in. easiest side hustle ever. it will be $10k a year in extra income
1
Reply
Dan(@guest_950166)
April 2, 2020 01:25
#950166
animous (full of spirt, resolute)
What gas station?
1
Reply
animous(@guest_951631)
April 4, 2020 09:58
#951631
Dan
unfortunately the visa gift cards and serve reloads are only available at Town Pump Branded gas stations, which can be a Conoco or Exxon gas station. But they can only be found in Montana. When i moved here from Houston, TX i thought i was moving to a place where MS’ing goes to die, i couldn’t have been more wrong, this place is a gold mine. i have 5 places to turn visa’s and Mastercards into money orders and i also have an 4 albertsons a safeway a staples, 2 walmarts, and super 1s allow you to get money orders using a debt card and i have a K-mart which also allows it. i did $550,000 in MS’ing last year and the ducks unlimited card was a big part of that. i wouldn’t be giving this info if it wasn’t Montana. i don’t mind if you wanna take a MS’ing vacation here, but don’t move here i am literally the only one in my town MS’ing and i want it to stay that way. even though i have earned so many points and sign up bonuses i’ve had to switch to a strictly cash back focused plan. anyway i wont tell you exactly where i live but its easy to figure it out with the info i have given. goodluck.
3
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Dan(@guest_951870)
April 4, 2020 18:43
#951870
animous
That’s amazing. I probably won’t move to Montana but you never know!
1
Reply
Frugal Nellie, aka Lela(@guest_956439)
April 13, 2020 01:24
#956439
animous
Thank you! I might take a road trip one day, but probably just once every few years! Sounds like a ton of fun!!!
Reply
QuestionAsker(@guest_950496)
April 2, 2020 13:38
#950496
animous (full of spirt, resolute)
Are you using the DU card itself to load Serve directly or did you mean you’re using a Vanilla card that you bought with the DU?
Reply
get money(@guest_951632)
April 4, 2020 10:02
#951632
QuestionAsker
no you can load the serve card directly with the ducks unlimited card at the gas station, the only caveat is i have to split pay with a few dollars just because it asks if your using cash, so i say yes but only use $5 in cash to load $500-1000.
1
Reply
Matt(@guest_955198)
April 10, 2020 03:07
#955198
get money
Sorry I don’t have a serve card yet so not too familiar with how it works. I see some websites mention that serve cannot be loaded with a CC other than Amex. I guess this isn’t a hardcoded rule in the register since you are able to use ducks unlimited to load serve? Is there also a 1k/month limit as well?
Reply
