Visa Credit Cards

Our Low Interest Credit Cards Deliver Big Rewards.

F&M Bank gets you the purchasing power you want and need with one of our low-interest Visa credit cards. Choose from the Visa Classic or Visa Gold to make quick and easy payments online or at your favorite restaurants and shops. With free balance transfers and no annual fees, your F&M Visa credit card provides stability you can count on. Submit an application online or visit one of our convenient branch locations to discuss your options with a member of our personal team.

Choose The Card That Meets Your Needs:

Visa Classic

Ideal For	People needing a standard credit card
Fee	No annual fee
Percentage Rates	Low annual percentage rates
Free Balance Transfers	Yes
Convenience Checks	Yes
Travel Accident Insurance	Yes
ATM Cash Withdrawals	Yes
Verified Visa Password Protection for Online Purchases	Yes
Toll Free Travel Reservation Service	No
Bonus Travel Dividends	No
Auto Rental Discounts	No
Credit Card Registration	No
Key Registration	No
Travel Protection (lost luggage, hotel theft insurance)	No
Medical Assistance	No
Vision Care	No
Discount Pharmacy	No
Personal Shopper	No
Concierge Service	No
Quarterly Newsletter	No

Visa Gold

Ideal For	Those who travel extensively
Fee	No annual fee
Percentage Rates	Low annual percentage rates
Free Balance Transfers	Yes
Convenience Checks	Yes
Travel Accident Insurance	Yes
ATM Cash Withdrawals	Yes
Verified Visa Password Protection for Online Purchases	Yes
Toll Free Travel Reservation Service	Yes
Bonus Travel Dividends	Yes
Auto Rental Discounts	Yes
Credit Card Registration	Yes
Key Registration	Yes
Travel Protection (lost luggage, hotel theft insurance)	Yes
Medical Assistance	Yes
Vision Care	Yes
Discount Pharmacy	Yes
Personal Shopper	Yes
Concierge Service	Yes
Quarterly Newsletter	Yes

	Visa Classic	Visa Gold
	Visa Classic	Visa Gold
Ideal For	People needing a standard credit card	Those who travel extensively
Fee	No annual fee	No annual fee
Percentage Rates	Low annual percentage rates	Low annual percentage rates
Free Balance Transfers	Yes	Yes
Convenience Checks	Yes	Yes
Travel Accident Insurance	Yes	Yes
ATM Cash Withdrawals	Yes	Yes
Verified Visa Password Protection For Online Purchases	Yes	Yes
Toll Free Travel Reservation Service	No	Yes
Bonus Travel Dividends	No	Yes
Auto Rental Discounts	No	Yes
Auto Rental Insurance	No	Yes
Credit Card Registration	No	Yes
Key Registration	No	Yes
Travel Protection (lost luggage, hotel theft insurance)	No	Yes
Medical Assistance	No	Yes
Vision Care	No	Yes
Discount Pharmacy	No	Yes
Personal Shopper	No	Yes
Concierge Service	No	Yes
Quarterly Newsletter	No	Yes
	Sign up for the Visa Classic today!	Sign up for the Visa Gold today!

Give Back with Visa Classic

Carry the Visa that supports the Shenandoah District Church of the Brethren Disaster Ministries every time you use it! Choose the BDM Visa Classic Card to return 1% of your net spend to the Brethren Disaster Ministries!

Manage Your Farmers & Merchants Visa Account Online

MyCardStatement.com puts you in touch – anytime, anywhere – with information and services that make your Farmers & Merchants Visa credit card more convenient and easier to manage than ever before.

Earn points with your Visa Classic card, and redeem for valuable merchandise and travel. Earn one point for every (net) dollar you charge to your account! Login to ScoreCard Rewards

*Interest collected from the day cash advances and balance transfers post to the account. Due date will be at least 25 days after billing cycle. Interest is not charged on purchases if full balance is paid by due date.

Count On Experienced Service From Your Local Team.

Visit or call one of our conveniently located branches and we’ll walk you through your options so you feel comfortable choosing the bank account and credit card that works best for you. Experienced professionals make F&M Bank your go-to resource for smart banking in your local community. Contact a member of our team to discuss your Visa credit card options today.