Visa Platinum Credit Card

 

Earn rewards for everyday purchases!

Enjoy local customer service, online account management and a low variable rate, even after the first six months. Plus, these benefits:

  • No annual fee
  •  ScoreCard® Bonus Points Reward Program
  • Earn one point for every retail dollar spent and redeem your points for airline tickets, hotels, car rentals, gift cards, and merchandise!
  • Earn 5,000 Bonus Points for your first retail purchase made within the first 30 days of account open date!
  • Auto Rental Insurance coverage
  • Zero liability for fraudulent charges
  • Real-time fraud alerts (no signup needed)

And so much more!

See Rates and Fees below for more information. Must be 18 or older to apply.

Apply Online MyCardStatement.com 

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 ChargesVisa® Platinum Preferred

Annual Percentage Rate (APR) for Purchases

3.9%* intro rate (for 6 months) to 10.5%. This APR will vary with the market based on the Prime Rate 

APR for Balance Transfers

3.9%* intro rate (for 6 months) to 10.5%. This APR will vary with the market based on the Prime Rate

APR for Cash Advances

3.9%* intro rate (for 6 months) to 10.5%. 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 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

Annual Fee

None

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 April 2019. 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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You may get it for a surprisingly affordable monthly rate with a home equity line of credit.

Home Equity Line of Credit

 

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