F&M Bank College Real Rewards Card
Not enough votes for recommendation
Explore a similar product
Try this top product in Credit Cards.
Chime secured Credit Builder Visa® Credit Card
19 reviews
| Purchase APR (Variable APR) |
17.49% - 27.49% (Verified 09/23/2022) |
| Balance Transfer APR (Variable APR) |
17.49% - 27.49% (Verified 09/23/2022) |
| Credit Score Range | Starting at 670 |
| Annual Fee | $0 |
F&M Bank College Real Rewards Card Review
This is a rewards card issued by F&M Bank. If you're wondering whether F&M Bank College Real Rewards Card is the right card for you, read on.
Key Takeaways
- 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 6 months , which is shorter than the average 0% APR period of 12 months.
- After your first purchase, you'll get 2,500 bonus rewards points.
- 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 College Real Rewards Card charges a fee of 3% on balance transfers, if you transfer the balance within 186 days of opening the account. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 2% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as emergency support, travel accident insurance, travel assistance, and fraud protection.
- Good or better credit required. You will have low approval odds if your credit score is below 670.
Pros & Cons of F&M Bank College Real Rewards Card
| The Good | The Bad |
|---|---|
|
|
F&M Bank College Real Rewards Card FAQ
Does F&M Bank College Real Rewards Card have a cash back or rewards program?
F&M Bank College Real Rewards Card is a rewards card.
| Rewards rate (all purchases) | N/A |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
| Signup Bonus ($) |
Does F&M Bank College Real Rewards Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does F&M Bank College Real Rewards Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the F&M Bank College Real Rewards Card benefits?
It provides the following benefits:
- Emergency Support
- Zero fraud liability
- Travel Accident Insurance
- Travel Assistance
What are the relevant APRs for F&M Bank College Real 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 College Real 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 College Real Rewards Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 6 months.
| Description | |
|---|---|
| Balance Transfer Fee Intro Period | 186 days |
| Balance Transfer Introductory APR | 0% |
| Balance Transfer Intro APR Period | 6 months |
| Balance Transfer APR | 17.49% - 27.49% |
| Balance Transfer Fee Minimum | $5 |
| Balance Transfer Fee % | 3% |
Does F&M Bank College Real 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 College Real Rewards Card?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual 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 College Real Rewards Card have a foreign transaction fee?
F&M Bank College Real 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 College Real Rewards Card?
The F&M Bank College Real Rewards Card customer service number is .
What is the support contact email for F&M Bank College Real Rewards Card?
The support contact email for F&M Bank College Real Rewards Card is rcs@fmb.com.
What is the F&M Bank College Real Rewards Card login page?
You can access the F&M Bank College Real Rewards Card login page here.
How do people rate the customer service and user experience of F&M Bank College Real 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 College Real Rewards Card
- Visit the F&M Bank College Real 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.
Contact
- Headquarters
-
302 Pine Ave
Long Beach, CA 90802 USA - Visit Site
- Email Support
Other Services by F&M Bank
View all credit cards offered by F&M Bank
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 |
| No Interest Grace Period for Late Payment | 24 days |
| Returned Payment Fee | Up to $41 |
| Late Fee Amount | Up to $41 |
Be the first to rate
Would you recommend F&M Bank College Real Rewards Card to your friends?
Other Credit Cards
F&M Bank Credit Cards
Loading...
Browse Credit Cards
- Affinity Federal Credit Union Secured Visa Credit Card
- Associated Credit Union of Texas Select MasterCard®
- AutoPass for Car Dealerships Credit Card
- Bass Pro Club Mastercard
- Bed Bath and Beyond Mastercard
- Chase Slate Edge Credit Card
- Citi® Double Cash Card
- Fort Worth Community CU Mastercard Platinum Share Secured
- Lexus Pursuits Visa®
- OneAZ Credit Union Visa Choice Rewards Credit Card
- Partners FCU Visa Share Secured Credit Card
- Verve Mastercard Card
