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  F&M Bank Visa

F&M Bank Visa

in Personal Credit Cards from F&M Bank

Unaffiliated

F&M Bank Visa

Unaffiliated

in Personal Credit Cards from F&M Bank

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Highlights
Purchase APR  (Variable APR) 7.99% - 15.99%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 670 - 840
Annual Fee $0 - $12

F&M Bank Visa Review

This is a cashback credit card issued by F&M Bank. If you're wondering whether F&M Bank Visa is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Competitive APRs. F&M Bank Visa has a variable purchase APR that ranges from 7.99% up to 15.99%.
  • Cash rewards. This credit card offers cash rewards on your purchases, but you will have to pay an annual fee of up to $12 for the privilege.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, access to a concierge, emergency support, identity theft protection, 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 Visa
The Good The Bad
  • Lower than average purchase APRs.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Access to a concierge.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • Cardholders can earn rewards on purchases everywhere F&M Bank Visa is accepted.
  • F&M Bank Visa reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3%.
F&M Bank Visa FAQ

Does F&M Bank Visa have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.

F&M Bank Visa Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit 550

Does F&M Bank Visa have a signup bonus?

This card doesn't offer a cash signup bonus.

Does F&M Bank Visa offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the F&M Bank Visa benefits?

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Zero fraud liability
  • Travel Accident Insurance
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for F&M Bank Visa?

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

It has a variable purchase APR that ranges from 7.99% up to 15.99%. It also has a variable cash advance APR that ranges from 7.99% up to 15.99%. Note that late payments are subject to an APR of 22.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does F&M Bank Visa 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 Visa 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 Visa?

The following fees apply:

F&M Bank Visa Fees
Fees Amount
Annual Fee Starting at $0 up to $12
Initial Program Fee $0
Foreign Transaction Fee 3%
Returned Payment Fee $25
Late Payment Fee $10

Does F&M Bank Visa have a foreign transaction fee?

F&M Bank Visa charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. 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 Visa?

The F&M Bank Visa customer service number is .

What is the support contact email for F&M Bank Visa?

The support contact email for F&M Bank Visa is rcs@fmb.com.

Does F&M Bank Visa report your account activity to credit bureaus?

Yes, F&M Bank Visa reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for F&M Bank Visa

  • Visit the F&M Bank Visa 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 1 state
California
Availabile in all of California

Feature Breakdown

Initial Program Fee $0 - $15
Minimum Interest Charge $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $2
Cash Advance Fee (%) 2%
Minimum Cash Advance Fee ($) $2
Foreign Currency Transaction Fee 3%
Annual Fee $0 - $12
Returned Payment Fee $25
Paper Statement Fee $3
Late Fee Amount $10
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
  • Tax Returns
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Checking Account Required
Credit Score Range 670 - 840
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Concierge
  • Emergency Support
  • Fraud Liability
  • Identity Theft Protection
  • Travel Accident Insurance
  • Travel Assistance
Annual Maximum 550
Rewards Rates
  • Every Purchase
Cash Advance APR (Variable APR) 7.99% - 15.99%
Penalty APR (Variable APR) 22.99%
Purchase APR (Variable APR) 7.99% - 15.99%
Card Type
  • Rewards
  • Cashback
Card Network Visa

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