F&M Bank Smart Business Rewards Card

F&M Bank Smart Business Rewards Card Review

This is a rewards card issued by F&M Bank. If you're wondering whether F&M Bank Smart Business Rewards Card is the right card for you, read on.

Key Takeaways

• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 18.99% up to 23.99%.
• Rewards program. This credit card offers rewards on your purchases, but you will have to pay an annual fee of up to $95 for the privilege.
• Annual fee waived the first year. F&M Bank Smart Business Rewards Card gives you the chance to have the card for a year without paying the $0 annual fee.
• 3% Balance transfer fee. F&M Bank Smart Business Rewards 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.
• No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.

Pros & Cons of F&M Bank Smart Business Rewards Card

What are the relevant APRs?

This business credit card has a variable purchase APR that ranges from 18.99% up to 23.99%. The card has a variable balance transfer APR that ranges from 18.99% 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.

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 offer a cash back or rewards program?

Yes, F&M Bank Smart Business Rewards Card offers a rewards program to its customers.

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.