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Business and Commercial Credit Cards

FSB Visa® Business Card | FSB Visa® Commercial Card | Business Card Rates & FeesLost or Stolen Card?

Choose the Right Credit Card for Your Business

Explore Credit Card Options

Business owner looking for the best credit card to support your financial needs? Whether you're a small business looking for the best credit card rewards or a commercial business looking to increase your purchasing power, FSB has the perfect card to help you manage your business finances.

FSB Visa® Business Credit Card

The FSB Visa Business Credit Card1 is a fantastic choice for businesses seeking financial flexibility and the opportunity to earn rewards on the money they spend.

Here are some key benefits of FSB's Business Credit Card:

  • No Annual Fee - Don't worry about any annual fees in your budget; FSB covers that
  • ScoreCard® Rewards – Earn one point for every retail dollar spent as well as Bonus Points3 throughout the year
    • New Accounts: Activate your card and spend $3,000 within 90 days of opening and get 15,000 Bonus points!2
    • February: Spend $2500 this month, get an additional 5,000 Bonus Points
    • July: Double points all month long (capped at 10,000 bonus points)
    • December: Spend $1,500 this month and get an additional 3,000 Bonus Points
  • Ways to Use Your Points*
    • Save at the Pump - $.50 off per gallon at participating BP, Shell, Citgo, and Walmart Murphy USA gas stations
    • Link PayPal® - Link your card to your PayPal account and you can use points to pay
    • Use Points at Retail Stores - $10 off when you use your FSB credit card at Walgreens, CVS, and Walmart and $5 off at point of sale when you use your credit card at participating Dollar General stores
    • 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

Ready to get started?

Call FSB Email FSB

1Must be 18 Years or older. All credit cards subject to approval.
2Excludes Balance Transfers and Cash Advances. Qualified retail purchase transactions must occur within 90 days of opening. Bonus points are awarded by the 15th of the following month. Eligible to new cardholders with eligible VISA Platinum or VISA Business cards. Subject to the limitations, terms, and conditions of the ScoreCard™ rewards program.
3Points accrue for 36 months, then the oldest points begin to expire monthly if not redeemed.

FSB Visa® Commercial Credit Card

If your business has multiple employees using credit cards or you work with several credit card providers, the FSB Visa Commercial Credit Card is the ideal solution for you. A credit card designed for businesses with a high spending volume, this credit card offers local service, online account management, and real-time control over cards and transaction downloads.

With FSB's Visa Commercial Credit Card, you gain access to the following features:

  • Manage Spending Limits Online: Set and adjust spending limits for individual cardholders in real time, ensuring better control over expenses
  • Streamline Expense Management: Export consolidated transactions into CSV format for easy management and analysis. You can also benefit from QuickBooks® exports available for each cardholder, simplifying your accounting processes
  • Cash Back Opportunities: By meeting the minimum spend qualifications, you can earn cash back, providing an additional incentive for your business spending
  • Administrative Options: Request new credit cards and existing close cards, activate new cards, and perform various administrative tasks efficiently through our user-friendly online platform

For information on rates and fees and to apply for the FSB Visa Commercial Credit Card, contact us. We understand that each business is unique, and our team will work closely with you to ensure the credit card meets your specific requirements.

Ready to get started?

Call FSB Email FSB

Must be 18 Years or older. All credit cards subject to approval.


Streamline Your Business Financing with FSB Treasury Management

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Business Credit Card Rates and Fees

Interest Rates and Interest ChargesVisa Business

Annual Percentage Rate (APR) for Purchases

13.50% This APR will vary with the market based on the Prime Rate

APR for Cash Advances

23.50% 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
- Cash Advance Fee



3% ($5 minimum)

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 the allocation of resources available for loans, primary consideration shall be given to existing or potential customers with an economic interest in Farmers State Bank's primary and secondary trade areas. In general, the primary trade area of this bank shall be all of Linn County and Johnson County, and the secondary trade area shall be the continugous counties to these counties of Buchanan, Iowa, Washington, Muscatine, Cedar, Delaware, Jones, Black Hawk, Dubuque, Scott, and 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 August 2023. This information may have changed after that date. To find out what may have changed, call us at 319-377-4891 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 319-377-4891 or email the Credit Card Department.
This email is not secure, please do not include sensitive financial information.

Lost/Stolen Debit or 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


All FSB Branches will be closed on Monday, May 27, in observance of Memorial Day.

For your banking needs, log in through online banking or use FSB's mobile banking app, FSB Now.

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