F&M Bank Business Card
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| Purchase APR (Variable APR) |
14.99% - 23.99% (Verified 09/24/2022) |
| Balance Transfer APR (Variable APR) |
14.99% - 23.99% (Verified 09/24/2022) |
| Credit Score Range | Starting at 670 |
| Annual Fee | $0 |
F&M Bank Business Card Review
Key Takeaways
- 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 18 months, which is longer than the average 0% APR period of 12 months.
- Competitive APRs. F&M Bank Business Card has a variable purchase APR that ranges from 14.99% up to 23.99%.
- No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
- 3% Balance transfer fee. F&M Bank Business Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 2% every time you make a transaction outside the U.S.
- Good or better credit required. You will have low approval odds if your credit score is below 670.
Pros & Cons of FM Bank Business Card
| The Good | The Bad |
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FM Bank Business Card FAQ
Who is FM Bank Business Card designed for?
This is a credit card issued by F&M Bank.
This business card is designed for small business owners with good credit. The minimum credit score to apply is 670.
What are the relevant APRs?
This business credit card has a variable purchase APR that ranges from 14.99% up to 23.99%. The card has a variable balance transfer APR that ranges from 14.99% up to 23.99%.
It also has a variable cash advance APR of 28.99%. Note that late payments are subject to an APR of 30.24% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.
Does it have an introductory APR offer?
Yes, this business card offers an introductory APR rate on balance transfers of 0% for a period of 18 months from account opening.
This business card does not offer an introductory rate on new purchases.| Purchase APR | 14.99% - 23.99% |
| Balance Transfer APR | 14.99% - 23.99% |
| Cash Advance APR | 28.99% |
| Penalty APR | 30.24% |
What fees does it charge?
The following fees apply to this business credit card:
- There is no annual fee.
- A late payment penalty of up to $39.
- A returned payment fee of up to $35.
- An overlimit fee of $39.
Does it charge a foreign transaction fee?
This business card charges a foreign transaction fee of 2%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $40. If you travel abroad you may want to leave this business card at home and apply for one that doesn't charge a foreign transaction fee.
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 2% |
| Balance Transfer Fee | 3% |
| Minimum Balance Transfer Fee | $5 |
| Returned Payment Fee | $35 |
| Late Payment Fee | $19 to $39 |
Does it offer a cash back or rewards program?
No, it does not offer a cash back rewards program.
What are the benefits?
This business credit card provides the following benefits:
- Fraud Liability
What is the customer service phone number?
The customer service number for this business card is .
What is the support contact email?
The support contact email for this business credit card is rcs@fmb.com.
How to apply?
- Visit the F&M Bank .
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
- Check the information is accurate and submit your application.
- If you're denied click here to find out why your application may have been rejected and what you can do about it.
Contact
- Headquarters
-
302 Pine Ave
Long Beach, CA 90802 USA - Visit Site
- Email Support
Other Services by F&M Bank
Availability
- Alaska
- Alabama
- Arkansas
- Arizona
- California
- Colorado
- Connecticut
- Washington, DC
- Delaware
- Florida
- Georgia
- Hawaii
- Iowa
- Idaho
- Illinois
- Indiana
- Kansas
- Kentucky
- Louisiana
- Massachusetts
- Maryland
- Maine
- Michigan
- Minnesota
- Missouri
- Mississippi
- Montana
- North Carolina
- North Dakota
- Nebraska
- New Hampshire
- New Jersey
- New Mexico
- Nevada
- New York
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Virginia
- Vermont
- Washington
- Wisconsin
- West Virginia
- Wyoming
Feature Breakdown
| Annual Fee | $0 |
| Cash Advance Fee (%) | 4% |
| Cash Advance Fee Minimum | $10 |
| Foreign Currency Transaction Fee | 2% |
| Late Fee Amount | $19 - $39 |
| Minimum Cash Advance Fee ($) | $10 |
| Minimum Interest Charge | $1 |
| No Annual Fee | |
| No Interest Grace Period for Late Payment | 24 days |
| Over-Limit Fee | $39 |
| Returned Payment Fee | $35 |
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