Last Updated: 05/14/2026
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Highlights
Purchase APR (Variable APR)
7.99% - 15.99%(Verified 06/21/2024)
Disclaimer popup with additional information
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.
Key Takeaways
- APRs: F&M Bank Visa has a variable regular 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 up to 3% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, access to a concierge, emergency support, identity theft protection, travel accident insurance, travel assistance, and fraud protection.
- 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 Visa
| The Good | The Bad |
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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.
| Description |
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?
F&M Bank Visa 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.F&M Bank Visa has a variable purchase APR that ranges from 7.99% up to 15.99%. F&M Bank Visa does not offer balance transfers. 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. F&M Bank Visa does not offer 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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 - $12 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $3 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Initial Program Fee | $0 - $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee ranging from $0 up to $12.
There is a late fee of up to $10 . Does F&M Bank Visa have a foreign transaction fee?
F&M Bank Visa charges a foreign transaction fee of up to 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 support contact email for F&M Bank Visa?
The support contact email for F&M Bank Visa is rcs@fmb.com.
How do people rate the customer service and user experience of F&M Bank Visa?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does F&M Bank Visa report your account activity to credit bureaus?
Yes, F&M Bank Visa reports to the following credit bureaus:
- 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 build your credit.
Does F&M Bank perform a hard credit pull?
Yes, F&M Bank Visa 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 Visa
- Visit the website of F&M Bank Visa.
- 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
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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
16.99% - 26.99%
Disclaimer popup with additional information
Balance Transfer APR
16.99% - 26.99%
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
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Learn MoreSuperMoney Net Recommendation Score
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