F&M Bank Platinum Card
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| Purchase APR (Variable APR) |
16.99% - 26.99% (Verified 09/23/2022) |
| Balance Transfer APR (Variable APR) |
16.99% - 26.99% (Verified 09/23/2022) |
| Credit Score Range | Starting at 670 |
| Annual Fee | $0 |
F&M Bank Platinum Card Review
This is a card issued by F&M Bank. If you're wondering whether F&M Bank Platinum 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 18 months, which is longer than the average 0% APR period of 12 months.
- Competitive APRs. F&M Bank Platinum Card has a variable purchase APR that ranges from 16.99% up to 26.99%.
- 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 Platinum 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 Platinum Card
| The Good | The Bad |
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F&M Bank Platinum Card FAQ
Does F&M Bank Platinum Card have a cash back or rewards program?
No, it does not offer a rewards program.
What are the F&M Bank Platinum Card benefits?
It provides the following benefits:
- Emergency Support
- Zero fraud liability
- Travel Accident Insurance
What are the relevant APRs for F&M Bank Platinum 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.F&M Bank Platinum Card has a variable purchase APR that ranges from 16.99% up to 26.99%. The card has a variable balance transfer APR that ranges from 16.99% up to 26.99%. It also has a variable cash advance APR that ranges from 16.99% up to 26.99%.
The good news is this card does not charge a penalty APR if you are late on a payment.
Does F&M Bank Platinum 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 18 months.
| Description | |
|---|---|
| Balance Transfer Introductory APR | 0% |
| Balance Transfer Intro APR Period | 18 months |
| Balance Transfer APR | 16.99% - 26.99% |
| Balance Transfer Fee Minimum | $5 |
| Balance Transfer Fee % | 3% |
Does F&M Bank Platinum 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 Platinum Card?
The following fees apply:
- There is no overlimit fee
| 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 card.
Does F&M Bank Platinum Card have a foreign transaction fee?
F&M Bank Platinum 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 Platinum Card?
The F&M Bank Platinum Card customer service number is .
What is the support contact email for F&M Bank Platinum Card?
The support contact email for F&M Bank Platinum Card is rcs@fmb.com.
What is the F&M Bank Platinum Card login page?
You can access the F&M Bank Platinum Card login page here.
How do people rate the customer service and user experience of F&M Bank Platinum 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 Platinum Card
- Visit the F&M Bank Platinum 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.
Contact
- Headquarters
-
302 Pine Ave
Long Beach, CA 90802 USA - Visit Site
- Email Support
Other Services by F&M Bank
Availability
- 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 |
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