F&M Bank Business Card
F&M Bank Business Card Unaffiliated

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
  • Potentially lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 18 months.
  • No annual fee.
  • You need good credit to qualify.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 2%.
  • You don't earn rewards on every purchase.
  • Does not report to credit bureaus.
  • Charges a 3% balance transfer fee.
  • Does not include many credit card benefits.

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.

FM Bank Business Card Rates & Terms
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.

FM Bank Business Card Fees
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

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.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.


  Available in 50 states and Washington, D.C.
  • 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
Customer Type Business
Credit Score Range 670 -
Credit Card Benefits
  • Fraud Liability
APR Type Variable APR
Cash Advance APR (Variable APR) 28.99%
Penalty APR (Variable APR) 30.24%
Purchase APR (Variable APR) 14.99% - 23.99%
(Verified 09/24/2022)
Balance Transfer Fee % 3%
Balance Transfer Fee Minimum $5
Balance Transfer Intro APR Period (Variable APR) 18 months
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer APR (Variable APR) 14.99% - 23.99%
(Verified 09/24/2022)
Card Network Visa
Card Type
  • Low Interest

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