The FNBO Platinum Edition Visa offers 0% APR on purchases for the first 15 billing cycles after your account is opened with no annual fee. The 0% intro rate does not apply to balance transfers or cash advances. Since the card doesn’t earn any rewards and balance transfers carry a 3% fee with no cap and a $10 min, the primary attraction for this card is its lengthy 0% intro period on purchases. Since FNBO is also known to give rather generous credit lines, the card could also potentially help burnish your credit score.

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