Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
16.99% - 26.99%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
16.99% - 26.99%(Verified 06/21/2024)
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% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 18 months.
- APRs: F&M Bank Platinum Card has a variable regular 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.
- A 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 up to 2% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
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.
| Description |
- 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.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 18 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 16.99% - 26.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 18 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 up to 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 support contact email for F&M Bank Platinum Card?
The support contact email for F&M Bank Platinum Card is rcs@fmb.com.
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.
Does F&M Bank perform a hard credit pull?
Yes, F&M Bank Platinum Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for F&M Bank Platinum Card
- Visit the website of F&M Bank Platinum Card.
- 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.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 6:00PM
Saturday
Closed
Other Services by F&M Bank
Home Mortgage Loans
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Mortgage Refinance
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Other Credit Cards from F&M Bank
Rating not yet determined
Purchase APR
17.49% - 27.49%
Disclaimer popup with additional information
Balance Transfer APR
17.49% - 27.49%
Disclaimer popup with additional information
Credit Score Range
Starting at 670
Annual Fee
$0
Rating not yet determined
Purchase APR
17.49% - 27.49%
Disclaimer popup with additional information
Balance Transfer APR
17.49% - 27.49%
Disclaimer popup with additional information
Credit Score Range
Starting at 670
Annual Fee
$0
Rating not yet determined
Purchase APR
17.49% - 27.49%
Disclaimer popup with additional information
Balance Transfer APR
17.49% - 27.49%
Disclaimer popup with additional information
Credit Score Range
Starting at 670
Annual Fee
$0
Rating not yet determined
Purchase APR
28.99%
Disclaimer popup with additional information
Balance Transfer APR
Starting at 28.99%
Disclaimer popup with additional information
Credit Score Range
Starting at 670
Annual Fee
$0
Rating not yet determined
Purchase APR
26.99%
Disclaimer popup with additional information
Balance Transfer APR
26.99%
Disclaimer popup with additional information
Credit Score Range
Starting at 670
Annual Fee
$0
Rating not yet determined
Purchase APR
7.99% - 15.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
670 - 840
300
850
Annual Fee
$0 - $12
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Learn MoreSuperMoney Net Recommendation Score
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