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  Fowler State Bank Visa Credit Card

Fowler State Bank Visa Credit Card

in Personal Credit Cards from Fowler State Bank

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Fowler State Bank Visa Credit Card

Unaffiliated

in Personal Credit Cards from Fowler State Bank

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Highlights
Purchase APR  (Fixed APR) 15.48%
Balance Transfer APR  (Fixed APR) 15.48%
Credit Score Range 650 - 850
Annual Fee $0

Fowler State Bank Visa Credit Card Review

This is a rewards credit card issued by Fowler State Bank. If you're wondering whether Fowler State Bank Visa Credit Card 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. Fowler State Bank Visa Credit Card has a fixed purchase APR of 15.48%
  • No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of Fowler State Bank Visa Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • No foreign transaction fee.
  • Cardholders can earn rewards on purchases everywhere Fowler State Bank Visa Credit Card is accepted.
  • Fowler State Bank Visa Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Rewards bonus rate of only 1% on most everyday purchases. Terms apply*.
  • Does not include many credit card benefits.
Fowler State Bank Visa Credit Card FAQ

Does Fowler State Bank Visa Credit Card have a cash back or rewards program?

Fowler State Bank Visa Credit Card is a rewards card.

Fowler State Bank Visa Credit Card Rewards
Minimum rewards rate 1x
Max rewards rate 1x
Annual rewards limit N/A

Does Fowler State Bank Visa Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Fowler State Bank Visa Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Fowler State Bank Visa Credit Card benefits?

It provides the following benefits:

  • Zero fraud liability
  • No blackout dates when redeeming miles
  • Reports to major credit bureaus

What are the relevant APRs for Fowler State Bank Visa Credit 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. It has lower than average regular APRs.

It has a fixed purchase APR of 15.48%. The card has a fixed balance transfer APR of 15.48% . It also has a fixed cash advance APR of 15.48% .

The good news is this card does not charge a penalty APR if you are late on a payment.

Does Fowler State Bank Visa Credit Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Fowler State Bank Visa Credit 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 Fowler State Bank Visa Credit Card?

The following fees apply:

  • There is no overlimit fee
Fowler State Bank Visa Credit Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee up to $20
Late Payment Fee up to $25

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

Does Fowler State Bank Visa Credit Card have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the customer service phone number for Fowler State Bank Visa Credit Card?

The Fowler State Bank Visa Credit Card customer service number is (765) 884-1200.

What is the support contact email for Fowler State Bank Visa Credit Card?

The support contact email for Fowler State Bank Visa Credit Card is fowlerstate@fowlerstate.com.

Does Fowler State Bank Visa Credit Card report your account activity to credit bureaus?

Yes, Fowler State Bank Visa Credit Card 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 Fowler State Bank Visa Credit Card

  • Visit the Fowler State Bank Visa Credit 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.

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.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 8:30am - 3:00pm
  • Tuesday 8:30am - 3:00pm
  • Wednesday 8:30am - 3:00pm
  • Thursday 8:30am - 3:00pm
  • Friday 8:30am - 6:00pm
  • Saturday Closed

About Fowler State Bank Visa Credit Card

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
Minimum Interest Charge $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $2
Cash Advance Fee (%) Starting at 2%
Minimum Cash Advance Fee ($) Up to $10
Returned Payment Fee Up to $20
Late Fee Amount Up to $25
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
No Blackout Dates
Rewards Categories
  • Every Purchase
Cash Advance APR (Fixed APR) 15.48%
Balance Computation Average daily balance" (excluding new purchases).
Penalty APR (Fixed APR) 0%
Purchase APR (Fixed APR) 15.48%
Balance Transfer APR (Fixed APR) 15.48%
Balance Transfer Fee % 0%
Card Type
  • Rewards
Card Network Visa

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