Visa^® Credit Cards

Visa Platinum Preferred | Visa Secured Card | Benefits for Both Credit Cards | Apply Online | Rates & Fees | Redeem Points, Online Access, and Make Payments

Visa Credit Cards

Platinum Preferred or the Secured Card, find out which credit card is right for you.

Visa Platinum Preferred Credit Card

Earn one point for every retail dollar spent and enjoy even more ways to redeem points*.

Benefits:

No Annual Fee
Online Access – Enroll your card for online access to redeem ScoreCard
Rewards points, manage, monitor, and make payments 24/7 at MyCardStatement.com.
ScoreCard Rewards – Earn one point for every retail dollar spent as well as Bonus Points* throughout the year.
Ways to Use Your Points*
- Cash Back – Direct deposit into your FSB account.
- Redeem to Erase – Credit applied to your Visa account balance.
- $.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 participating Walgreens and CVS.
- $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).

2022 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
February - Double points all month long on all retail purchases!
May – Use your card at automated gas pumps and earn Triple Points!
August - Double points all month long on all retail purchases!
October - Dine out at restaurants, get Triple Points!
December – Spend $3,000 and we’ll reward you with an additional 5,000 Bonus points!

*Points accrue for 36 months, then the oldest points begin to expire monthly if not redeemed.

Visa Secured Card

For those with no credit, new credit, not-so-good credit.

Annual fee is waived for the first year (See Rates and Fees below.)

With both credit cards, you will enjoy …

Free NortonLifeLock™ ID Navigator includes Dark Web monitoring, data breach notifications, Credit Bureau monitoring/alerts, stolen wallet assist, and more!
To confirm eligibility visit CardBenefitIDProtect.com.
Free Visa Purchase Alerts. Set up the purchase alerts you want at Visa.com/PurchaseAlerts.
Local Service
- Call 319-832-1201 during normal business hours
- Make a payment at any FSB branch for faster turnaround of credit availability
Contactless Payments
- "Tap-n-Go" feature with your card
- Mobile Wallet* payment option with your phone
Auto Rental Collision Damage Waiver coverage
Zero liability for fraudulent charges
Real-time fraud alerts (no signup needed)

Credit Cards - Body Image

*Message and data rates may apply.
See Rates and Fees for more information. Must be 18 or older to apply. All loans subject to credit approval.

Apply Online

Questions? Call us at 319-832-1201 or send us an email.
This email is not secure, please do not include sensitive financial information.

Lost/Stolen Debit or Credit Card? Please contact us immediately.

Rates and Fees

Interest Rates and Interest Charges	Visa^® Platinum Preferred	Visa^® SECURED
Annual Percentage Rate (APR) for Purchases	0%^* intro rate (for 6 months) to 11.25%. This APR will vary with the market based on the Prime Rate	14.4% APR (non-variable)
APR for Balance Transfers	0%^* intro rate (for 6 months) to 11.25%. This APR will vary with the market based on the Prime Rate	14.4% APR (non-variable)
APR for Cash Advances	0%^* intro rate (for 6 months) to 11.25%. This APR will vary with the market based on the Prime Rate	14.4% APR (non-variable)
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 and balance transfers 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.
Fees	Visa Platinum Preferred	Visa SECURED
Annual Fee	None	$25, first year waived
Transaction Fees International Trans Fee	1% of each international transaction in U.S. dollars
Penalty Fees Late Fee Returned Payment Fee	Up to $30 Up to $30

*Existing FSB credit card transfers not eligible.

In the allocation of resources available for loans, 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 this 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 and Benton.

Must be 18 or older to apply. All loans subject to credit approval.

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 2022. 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.

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Visa® Credit Cards

Visa Platinum Preferred | Visa Secured Card | Benefits for Both Credit Cards | Apply Online | Rates & Fees | Redeem Points, Online Access, and Make Payments