Fowler State Bank Visa Credit Card

Fowler State Bank Visa Credit Card Review

This is a rewards 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.

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
Potentially 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 purchases. Terms apply*.

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

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. This card has lower than average regular APRs.

Fowler State Bank Visa Credit Card 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.

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

Description
Cash Advance Fee Minimum	$2
Cash Advance Fee (%)	Starting at 2%
Minimum Cash Advance Fee ($)	Up to $10
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
Returned Payment Fee	Up to $20
Late Fee Amount	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 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.