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Smart Credit Card Choices Start Here


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FSB Visa® Business Card

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Business Card Rates & Fees

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FSB Visa® Commercial Card

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Lost or Stolen Card?


Business and Commercial Credit Cards

Find out which credit card is right for your business.

FSB Visa Business Card

Increase your purchasing power and expense control plus earn ScoreCard Rewards* at the same time.

Enjoy these benefits:

  • No Annual Fee
  • ScoreCard® Rewards – Earn one point for every retail dollar spent as well as Bonus Points* throughout the year.
  • Ways to Use Your Points*
    • $.50 off per gallon at participating Murphy USA (WalMart), BP, Shell and Citgo gas stations when you use your card.
    • PayPal® – Link your card to your PayPal account and you can use points to pay for the online purchases.
    • $10 off at point of sale when you use your credit card at Walgreens and CVS.
    • Airline tickets, hotel and car rentals, and merchandise awards (including a wide variety of gift cards).
  • Online Access – Enroll your card for online access to redeem ScoreCard Rewards points, manage, monitor, and make payments 24/7 at
  • Other Business Card Benefits

2021 BONUS POINTS* Schedule:

(subject to change without notice)

  • New Accounts – Activate your card and spend $3,000 within 90 days of opening and get 15,000 bonus points

  • May – Use your card at the grocery store (or online orders) and get double points on those purchases

  • July – Double points all month long on all retail purchases made in July

  • September – Use your card at automated gas pumps and earn double points on those purchases in September

  • November/December – Spend $3,500 during these holiday shopping months and earn an additional 10,000 bonus points

*Points accrue for 24 months, then the oldest points begin to expire monthly if not redeemed.

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Business Credit Card Rates and Fees

Interest Rates and Interest ChargesVisa Business

Annual Percentage Rate (APR) for Purchases

8.25% This APR will vary with the market based on the Prime Rate

APR for Cash Advances

13.15% This APR will vary with the market based on the Prime Rate

Paying Interest

Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date.

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau.


Annual Fee


Transaction Fees

International Trans Fee


Penalty Fees

Late Fee

Returned Payment Fee




All applications are subject to credit approval. All loan applicants must be at least eighteen (18) years of age.
In allocating our resources, primary consideration shall be given to existing or potential customers with economic interest in Farmers State Bank’s primary and secondary trade areas. In general, the primary trade area of the bank shall be all of Linn County, Iowa and the secondary trade area shall be the nearest one half of the contiguous Iowa counties of Buchanan, Cedar, Delaware, Jones, Johnson & Benton.

How We Will Calculate your Balance

We use a method called “average daily balance (including new purchases).”

The information about the cost of the cards described in the application is accurate as of October 2021. This information may have changed after that date. To find out what may have changed, call us at 319-832-1201 or write to us at:

Farmers State Bank
PO Box 569
Marion, IA 52302

For more information, or to request a copy of your Cardholder Agreement, call FSB’s Credit Card Department at 319-832-1201 or email the Credit Card Department.
This email is not secure, please do not include sensitive financial information.


FSB Visa Commercial Credit Card

If you currently have multiple employees using credit cards or are using several credit card providers, and you typically have a high spend volume, this may be the right card for you. Enjoy local service, online account management, and real-time control of cards and transaction downloads.

  • Manage spending limits online in real-time
  • Export consolidated transactions into CSV for easy management
  • QuickBooks® exports available on each cardholder
  • Opportunity to earn cash back with minimum spend qualifications
  • Request and close credit cards, activate new cards, along with many other administrative options
Contact us for rates and fees for the Commercial Credit Card.

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“I love being able to partner with a family-owned bank because I know they always have my back. In our business, we can have more than two dozen construction loans going at any given time, but they always make sure we don’t miss a payment deadline. To me, that’s going above and beyond … and it’s what I’ve come to expect from FSB!”

Hannah Kustes
Co-owner of Abode Construction



Effective Saturday, January 8th, the lobbies at our Alburnett and Edgewood Plaza offices will be available by appointment only on Saturday mornings. Our Drive Up service will continue to be available normal hours each Saturday.


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