| 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
F&M Bank Visa 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 is everything you need to know to make a good choice.
- 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.
| The Good | The Bad |
|---|---|
|
|
Is there a F&M Bank Visa cash back or rewards program?
F&M Bank Visa is a cashback card. This means you earn a percentage of your purchase as a cash reward.
| Rewards rate (all purchases) | N/A |
| Max rewards rate | N/A |
| Annual rewards limit | 550 |
Does F&M Bank Visa have a signup bonus?
F&M Bank Visa doesn't offer a cash signup bonus.Does F&M Bank Visa offer an annual loyalty bonus?
F&M Bank Visa 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 interest rate is 15% for all credit cards and 17% for accounts that carry a balance. F&M Bank Visa has lower than average purchase APRs.F&M Bank Visa 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 introductory APR offer on balance transfers?
No, F&M Bank Visa does not come with an introductory APR offer for balance transfers.Does F&M Bank Visa have an introductory APR offer on new purchases?
F&M Bank Visa does not offer an introductory rate on new purchases.What are the fees for F&M Bank Visa?
The following fees apply to F&M Bank Visa:
| 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 a foreign transaction fee.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.
Availability
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 |
Be the first to rate
Would you recommend F&M Bank Visa to your friends?
Other Personal Credit Cards
- Clinchfield Federal Credit Union Visa Credit Card
- Golden 1 Credit Union Platinum Rewards Credit Card
- Keys Federal Credit Union Visa Platinum Secured
- Members First Credit Union Utah VISA Platinum Rewards Cards
- Musician's Friend Platinum Card
- NFL Extra Points Credit Card
- NTB Credit Card
- Nevada State Bank Reserve Visa Signature Credit Card
- OMNI Community Credit Union Platinum Mastercard Credit Card
- Premier America Credit Union Student Mastercard Credit Card
- Southwest Rapid Rewards® Priority Credit Card
- Value City Furniture Credit Card
