F&M Bank Max Cash Preferred Card
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| Purchase APR (Variable APR) |
17.49% - 27.49% (Verified 08/04/2023) |
| Balance Transfer APR (Variable APR) |
17.49% - 27.49% (Verified 08/04/2023) |
| Credit Score Range | Starting at 670 |
| Annual Fee | $0 |
F&M Bank Max Cash Preferred Card Review
This is a cashback card issued by F&M Bank. If you're wondering whether F&M Bank Preferred Card is the right card for you, read on.
Key Takeaways
- 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers.
- High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 17.49% up to 27.49%.
- No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- 3% Balance transfer fee. F&M Bank Max Cash Preferred Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 2% every time you make a transaction outside the U.S.
- Good or better credit required. You will have low approval odds if your credit score is below 670.
Pros & Cons of F&M Bank Preferred Card
| The Good | The Bad |
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F&M Bank Preferred Card FAQ
Does F&M Bank Preferred Card have a cash back or rewards program?
No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
What are the F&M Bank Preferred Card benefits?
It provides the following benefits:
- Zero fraud liability
What are the relevant APRs for F&M Bank Preferred 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 higher than average regular APRs.F&M Bank Max Cash Preferred Card has a variable purchase APR that ranges from 17.49% up to 27.49%. The card has a variable balance transfer APR that ranges from 17.49% up to 27.49%. It also has a variable cash advance APR of 28.99% .
The good news is this card does not charge a penalty APR if you are late on a payment.
Does F&M Bank Preferred Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0%
| Description | |
|---|---|
| Balance Transfer Introductory APR | 0% |
| Balance Transfer APR | 17.49% - 27.49% |
| Balance Transfer Fee Minimum | $5 |
| Balance Transfer Fee % | 3% |
Does F&M Bank Preferred Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for F&M Bank Preferred Card?
The following fees apply:
| Description | |
|---|---|
| Minimum Cash Advance Fee ($) | $10 |
| Foreign Currency Transaction Fee | 2% |
| No Annual Fee? | |
| Annual Fee | $0 |
| Minimum Interest Charge | $1 |
| No Interest Grace Period for Late Payment | 24 days |
| Returned Payment Fee | Up to $41 |
| Late Fee Amount | Up to $41 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does F&M Bank Preferred Card have a foreign transaction fee?
F&M Bank Preferred Card charges a foreign transaction fee of 2%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $40. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for F&M Bank Preferred Card?
The F&M Bank Preferred Card customer service number is .
What is the support contact email for F&M Bank Preferred Card?
The support contact email for F&M Bank Preferred Card is rcs@fmb.com.
What is the F&M Bank Preferred Card login page?
You can access the F&M Bank Preferred Card login page here.
How do people rate the customer service and user experience of F&M Bank Preferred Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
How to apply for F&M Bank Preferred Card
- Visit the F&M Bank Preferred Card website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
302 Pine Ave
Long Beach, CA 90802 USA - Visit Site
- Email Support
Other Services by F&M Bank
Other Credit Cards by F&M Bank
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Minimum Cash Advance Fee ($) | $10 |
| Foreign Currency Transaction Fee | 2% |
| No Annual Fee | |
| Annual Fee | $0 |
| Minimum Interest Charge | $1 |
| No Interest Grace Period for Late Payment | 24 days |
| Returned Payment Fee | Up to $41 |
| Late Fee Amount | Up to $41 |
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