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  F&M Bank Everyday Rewards+ Card
F&M Bank Everyday Rewards+ Card Unaffiliated

F&M Bank Everyday Rewards+ Card

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Highlights
Purchase APR  (Variable APR) 17.49% - 27.49%
(Verified 09/24/2022)
Balance Transfer APR  (Variable APR) 17.49% - 27.49%
(Verified 09/24/2022)
Credit Score Range Starting at 670
Annual Fee $0

F&M Bank Everyday Rewards+ Card Review

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

Key Takeaways

  • $200 bonus (20,000 points) after $1,000 in eligible net purchases are made within the first 120 days of account opening.
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 17.49% up to 27.49%.
  • No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • 3% Balance transfer fee. F&M Bank Everyday 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.
  • 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 F&M Bank Everyday Rewards Card

The Good The Bad
  • No annual fee.
  • Cardholders can earn rewards on their purchases.
  • Higher than average purchase APRs.
  • You need good credit to qualify.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 2%.
  • Does not report to credit bureaus.
  • Charges a 3% balance transfer fee.
  • Does not include many credit card benefits.

F&M Bank Everyday Rewards Card FAQ

Does F&M Bank Everyday Rewards Card have a cash back or rewards program?

F&M Bank Everyday Rewards Card is a rewards card.

F&M Bank Everyday Rewards Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($)

Does F&M Bank Everyday Rewards Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does F&M Bank Everyday Rewards Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the F&M Bank Everyday Rewards Card benefits?

It provides the following benefits:

  • Zero fraud liability

What are the relevant APRs for F&M Bank Everyday Rewards Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

F&M Bank Everyday Rewards+ Card has a variable purchase APR that ranges from 17.49% up to 27.49%. The card has a variable balance transfer APR that ranges from 17.49% up to 27.49%. It also has a variable cash advance APR of 28.99% .

The good news is this card does not charge a penalty APR if you are late on a payment.

Does F&M Bank Everyday Rewards Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does F&M Bank Everyday Rewards Card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for F&M Bank Everyday Rewards Card?

The following fees apply:

  • There is no overlimit fee
F&M Bank Everyday Rewards Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 2%
Returned Payment Fee up to $41
Late Payment Fee up to $41

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

Does F&M Bank Everyday Rewards Card have a foreign transaction fee?

F&M Bank Everyday Rewards 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 card at home and apply for one that doesn't charge foreign transaction fees.

What is the customer service phone number for F&M Bank Everyday Rewards Card?

The F&M Bank Everyday Rewards Card customer service number is .

What is the support contact email for F&M Bank Everyday Rewards Card?

The support contact email for F&M Bank Everyday Rewards Card is rcs@fmb.com.

What is the F&M Bank Everyday Rewards Card login page?

You can access the F&M Bank Everyday Rewards Card login page here.

How do people rate the customer service and user experience of F&M Bank Everyday Rewards Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

How to apply for F&M Bank Everyday Rewards Card

  • Visit the F&M Bank Everyday Rewards Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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.

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Cash Advance Fee Minimum $10
Cash Advance Fee (%) 5%
Minimum Cash Advance Fee ($) $10
Foreign Currency Transaction Fee 2%
No Annual Fee
Annual Fee $0
Minimum Interest Charge $1
Over-Limit Fee $0
No Interest Grace Period for Late Payment 24 days
Returned Payment Fee Up to $41
Late Fee Amount Up to $41
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 670 -
Credit Card Benefits
  • Fraud Liability
Bonus Offer $200 bonus (20,000 points) after $1,000 in eligible net purchases are made within the first 120 days of account opening.
Rewards Categories
  • 2x Points on Gas
  • 2x Points on Groceries
  • 4x Points on Restaurants
  • 1x Point on Every Purchase
Cash Advance APR (Variable APR) 28.99%
APR Type Variable APR
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 17.49% - 27.49%
(Verified 09/24/2022)
Balance Transfer APR (Variable APR) 17.49% - 27.49%
(Verified 09/24/2022)
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Rewards
Card Network Visa

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