FNBO Complete Rewards VISA.
Earn 1 point per dollar spent.
If points redeemed for travel, 1 pt = 1.25 cents
If points redeemed to Checking or Savings via ACH 1 pt = 2 cents
if points redeemed for Mortgage principal reduction payments 1 pt = 2 cents
Redeem in amounts of $ 25, $ 50, $ 100 or $ 250
However, the wording is a bit strange, and those redemption amounts might not apply for ACH transactions.
There is also a FNBO AmEx card with straight 1.5% cash back.