Online Banking

Log In

Error, press "Log In" to continue.

Log In

Error, press "Log In" to continue.

Visa® Credit Cards

Online Applications Available

  

Apply Online | Visa Cards & Benefits | Rates | Online Account Access

Why FSB's Credit Cards?

FSB understands that finding the right credit card for you can be overwhelming. That's why we offer various options to fit your unique needs.

Our credit cards have features and benefits catered to different lifestyles and preferences. So whether you are a frequent traveler looking for rewards, or someone who wants to build credit, we have a card for you.

Explore Card Options
 

Visa® Platinum Preferred Credit Card1

Activate your card and spend $3,000 within 90 days of opening and get 15,000 Bonus points!2

Apply Now

1Must be 18 or older to apply. Subject to credit approval.
2Click here for details.

Visa® Credit Cards

Platinum Preferred1

Earn one point for every retail dollar spent and enjoy even more ways to redeem points.3

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 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 Points3
    • Cash Back – Direct deposit into your FSB account
    • Redeem to Erase – Credit applied to your Visa account balance
    • Save at the Pump - $.50 off per gallon at participating BP, Shell, Citgo, and 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)

Apply Online MyCardStatement.com

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.

Secured Card1

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

Apply Online MyCardStatement.com

1Must be 18 Years or older. All credit cards subject to approval.

With all FSB 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
  • Local Service
    • Call 319-377-4891 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 Wallet4 payment option with your phone
  • Auto Rental Collision Damage Waiver coverage
  • Zero liability for fraudulent charges
  • Real-time fraud alerts (no signup needed)

4Message and data rates may apply.
See Rates and Fees for more information.

Credit Cards

Questions? Call us at 319-377-4891 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 ChargesVisa® Platinum Preferred1  Visa®  SECURED1

Annual Percentage Rate (APR) for Purchases

0%* intro rate (for 6 months) to 13.50%. This APR will vary with the market based on the Prime Rate

21.99% APR (non-variable)

APR for Balance Transfers

0%* intro rate (for 6 months) to 20.50%. This APR will vary with the market based on the Prime Rate

21.99% APR (non-variable)

APR for Cash Advances

0%* intro rate (for 6 months) to 20.50%. This APR will vary with the market based on the Prime Rate

21.99% 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.
FeesVisa Platinum Preferred1

Visa SECURED1

Annual Fee

None

$25, first year waived

Transaction Fees

- International Trans Fee

- Cash Advance Fee

- Balance Transfer Fee

 

1% of each international transaction in U.S. dollars

3% ($5 minimum)

3% ($5 minimum)

Penalty Fees

- Late Fee

- Returned Payment Fee

 

Up to $30

Up to $30

 

1Must be 18 Years or older. All credit cards subject to approval.

*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 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.
 

Ready for a new kitchen?

You may get it for a surprisingly affordable monthly rate with a home equity line of credit.

Home Equity Line of Credit

Expand toolbar
Chat
Back to Top