The Essential Card™ is a first-of-its-kind financial services product designed exclusively for healthcare. This is a true credit card (not a debit/purchase/charge card) underwritten by Mastercard and issued by FNBO. It provides cardholders with the highest available tier of World Elite Status, 5% back on healthcare supply purchases, an industry leading Special Financing of 0% APR for 3-billing cycles on every purchase of $1500 or more, and unique rewards for providing quality healthcare.