Enjoy greater value with the Visa Platinum Preferred card
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Earn rewards for everyday purchases!
- 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 15,000 Bonus Points by spending $3,000 within the first 90 days.
Not sure if you qualify for Visa Platinum Preferred? We'll automatically consider you for a Visa Secured card.
- No credit, new credit, not-so-good credit, this may be the card for you
No matter which card you qualify for, you will also enjoy
- Local customer service at FSB
- Online access to your account
- *Mobile wallet payment option (Apple Pay®, Samsung Pay® or Google Pay™)
- Auto Rental Insurance Coverage
- Zero Liability for fraudulent charges
- Real-time fraud alerts (no signup needed)
And so much more!
*Message and data rates may apply
See Rates and Fees below for more information. Must be 18 or older to apply.
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 |
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Annual Percentage Rate (APR) for Purchases
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0%* intro rate (for 6 months) to 8.25%. This APR will vary with the market based on the Prime Rate
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14.4% APR (non-variable)
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APR for Balance Transfers
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0%* intro rate (for 6 months) to 8.25%. This APR will vary with the market based on the Prime Rate
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14.4% APR (non-variable)
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APR for Cash Advances
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0%* intro rate (for 6 months) to 8.25%. This APR will vary with the market based on the Prime Rate
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14.4% APR (non-variable)
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Paying Interest
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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.
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For Credit Card Tips from the Consumer Financial Protection Bureau
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To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau.
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| Fees | Visa Platinum Preferred |
Visa
SECURED
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Annual Fee
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None
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$25, first year waived
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Transaction Fees
International Trans Fee
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1% of each international transaction in U.S. dollars
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Penalty Fees
Late Fee
Returned Payment Fee
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Up to $30
Up to $30
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*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 2020. 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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