The benefits of having an F&M Business Visa® Credit Card begin with convenience. The security of one of the strongest banks in California for years combined with an array of security enhancements and 24-hour Visa card member benefits make this product the ultimate solution for managing your business purchases. Ask one of our specialists how to apply for a business credit card today!1

Now you can use your F&M Business Visa credit card with Apple Pay®2, Samsung Pay3 and Google Pay™4. Learn more about how to get started using digital wallets today.

F&M Points Rewards

  • Automatic enrollment
  • Earn 1 point for every dollar you spend at millions of merchants
  • Redeem for a wide variety of products and services (e.g. electronics,gift cards, or statement credits)

Features and Benefits

  • F&M Credit Card Alerts - FREE notifications5 via text, phone or email about approaching your credit limit, online activity and irregular purchases
  • Security Chip and PIN enhanced to provide stronger security protection against fraud
  • Visa payWave capability to make purchases faster by simply waving your card in front of a secure reader
  • Visa Checkout a convenient, flexible and secure way to pay online with participating online retailers
  • Theft Protection - Cardholders are not responsible for unauthorized charges as soon as the card is reported lost or stolen. Replacement cards are sent within 48 hours
  • Lost Luggage Reimbursement6 - Cost of replacing carry-on luggage and its contents while traveling via airline, rail, bus, cruise line, etc
  • Travel Emergency6 - Visa USA will put you in touch with the appropriate emergency services if needed
  • Hotel Theft Protection6 - protects personal property stolen from the cardholders hotel or motel room
  • Purchase Security & Extended Protection6 - Automatically protect many of the new retail purchases that you make with your card
  • Auto Rental Collision Damage Waiver6 - Reimbursement for damage due to collision or theft up to the actual cash value of most rental vehicles
  • Emergency Medical and Dental6 - covers expenses incurred as a result of emergency treatment of a sickness or accidental injury during the course of a trip
  • Travel & Emergency Assistance Service6 - enjoy a wide range of Visa Business emergency services which are available 24hrs/365 days a year
  • Roadside Dispatch6 - Pay-per-use program provided to our cardholders with 24-hr access
  • Fraud protection with Visa's Zero Liability7

Other Features and Benefits

  • Improve Cash Flow - With flexible repayment terms, cardholders have the choice of paying in full each month, making the minimum payment or any amount in between. Enjoy a 25-day grace period for purchases
  • Expense Control - Allows you to effectively separate business charges to ensure accurate, comprehensive expense tracking
  • Streamlined Accounts Payable - Use your card and write just one check per month, cutting check-writing costs
  • Tax Advantage - Receipts and statements provide documentation for tax filing, audits and expense management
  • Free Annual Statement Summary – An automatic year-end report summarizing total spending for the year, by charge category, to assist with taxes and budgeting
  • Worldwide Acceptance - Accepted at more than 22 million locations around the world
  • Online Account Management
  • 24-Hour Visa Card Member Services - If your card is lost or stolen, we're here for you every hour, every day at (866) 558-7687


Contact your local F&M office today for more information on applying for an F&M Business Visa Credit Card.

Certain restrictions and limitations apply. Please click on the Services and Fees for further details.

See all Services and Fees

Business Calculators
All loans require credit approval. See credit card agreement for details.
  • 1F&M Business Credit Cards are available to businesses that have been in operation for a minimum of two years and have a deposit and/or loan relationship with the Bank. All credit card programs require credit approval. Full details about these programs are provided when you apply and additional information is provided when you become a cardholder.
  • 2Apple Pay® is a trademark of Apple Inc. Apple Pay is only compatible with select cards, carriers and devices. See the Apple Pay page for compatibility information.
  • 3Samsung Pay is a registered trademark of Samsung Electronics Co. Samsung Pay is only compatible with select cards, carriers and devices. See the Samsung Pay page for compatibility information.
  • 4Google Pay™ is a trademark of Google LLC. Google Pay is only compatible with select cards, carriers and devices. See the Google Pay page for compatibility information.
  • 5F&M Bank does not charge for this service, however, your wireless carrier may charge you fees related to this service.
  • 6Full details are provided once a cardholder. Certain coverage conditions, restrictions, limitations and exclusions apply. Coverage is underwritten and administered by companies affiliated with Visa USA Inc.
  • 7Visa Zero Liability policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit