BPme Rewards Visa®
FNBO and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of FNBO. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The BPme Rewards Visa® from FNBO earns up to 3% effective value on dining in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Dining
- Effective value
- 3%
- Annual fee
- $0
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 3% back.
What does the BPme Rewards Visa earn in each category?
Dining is the strongest category at 3% effective value (3% back). That dining rate ranks higher than about 81% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how BPme Rewards Visa compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight coffee at 3x among the top bonus.
Dining is the strongest category at 3% effective value (3% back). That dining rate ranks higher than about 81% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how BPme Rewards Visa compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 3% back | 3% Top category |
| Grocery Supermarkets and grocery stores | 3% back | 3% |
| Gas Gas stations and fuel | 1% back | 1% |
| Travel Flights, hotels, transit | 1% back | 1% |
| Other General everyday spend | 1% back | 1% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the BPme Rewards Visa reward caps and conditions?
The BPme Rewards Visa has 2 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- 3% Cash back on dining purchases
- 3% Cash back on grocery purchases
Who should get the BPme Rewards Visa?
The BPme Rewards Visa fits spenders who put meaningful volume in dining and can earn 3% back. Best for spenders who put meaningful volume in dining and can earn 3% back.
BPme Rewards Visa fits spenders who put meaningful volume in dining and can earn 3% back. Madeen ranks its dining effective rate higher than about 81% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 3% back.
Foreign transaction fees make it weaker for international spend.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 3% effective (3% back).
- That dining rate ranks higher than about 81% of cards we track in the category.
- No annual fee in our catalog snapshot.
Cons
- Charges $3 foreign transaction fees.
Does the BPme Rewards Visa have an annual fee?
The BPme Rewards Visa has an annual fee of $0 and a foreign transaction fee of $3. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- $3
What benefits come with the BPme Rewards Visa?
The BPme Rewards Visa includes 15¢ off per gallon, 30¢ off per gallon, Booking.com in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
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15¢ off per gallon
on bp and Amoco fuel purchases after the first 60 days of account being opened
30¢ off per gallon
on bp and Amoco fuel purchases in the first 60 days after account opening
Booking.com
Purchase qualifying stays with your eligible Visa Credit or Debit card and get up to 8% in Travel Credits to use on future flights, stays, car rentals, attractions, car rentals, taxis and more.
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Related encyclopedia topics
Common questions about the BPme Rewards Visa
Where do cardholders spend most with the BPme Rewards Visa?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on coffee (3x), fast food (3x), groceries (3x) for the BPme Rewards Visa. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Does the BPme Rewards Visa have an annual fee?
The BPme Rewards Visa carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the BPme Rewards Visa?
Dining is the strongest Madeen category for the BPme Rewards Visa at about 3% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the BPme Rewards Visa charge foreign transaction fees?
The BPme Rewards Visa charges a foreign transaction fee of $3 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change.
What credit score do you need for the BPme Rewards Visa?
Madeen's catalog lists a typical credit range of Good for the BPme Rewards Visa. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the BPme Rewards Visa?
Rewards on the BPme Rewards Visa post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How does the BPme Rewards Visa compare to similar cards?
Compare the BPme Rewards Visa against Amtrak Guest Rewards Mastercard (5% on Dining, $0 fee); Amtrak Guest Rewards Preferred Mastercard (5% on Dining, $99 fee); Best Western Rewards Mastercard (4.6% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
BPme Rewards Visa This card | Dining | 3% | $0 |
| Dining | 5% | $0 | |
| Dining | 5% | $99 | |
| Dining | 4.6% | $0 | |
| Dining | 4.6% | $0 |
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
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See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
FNBO and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of FNBO. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure