Get more with a Personal F&M Visa® Credit Card backed by a community bank you can trust. As one of California’s strongest banks for 110 years, F&M helps you increase your buying power with our F&M rewards option, and gives you peace-of-mind with an array of security enhancements. F&M Credit Cards are accepted worldwide. [1]

Now you can use your F&M credit or debit card with Apple Pay™, Samsung Pay and Android Pay™. Click here to learn more about how to get started using digital wallets today2.

F&M Cash Rewards

  • F&M Cash Rewards eligibility (enrollment is necessary. Please call 877-739-6244 to enroll during business hours.)
  • 1% cash back on all eligible purchases
  • Earn up to $550 in Cash Rewards per year
  • Credit card statement includes the Cash Rewards balance
  • Redeemable in multiples of $25 payments towards the balance, deposited to an F&M account or a cashier's check

Peace of Mind

  • Protect your credit with Verified by Visa
  • F&M Credit Card Alerts - Free [3] notifications via text, phone or email about approaching your credit limit, online activity and irregular purchases. Already an F&M Credit Card user? Click here to learn more about F&M Card Alerts.
  • 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.
  • Fraud or dispute protection with Visa's Zero Liability [4]
  • Lost or stolen card protection
  • Concierge Services [5][6]
  • Personal identity theft [5]
  • Purchase security and Extended Protection [5]
  • Travel and emergency assistance service [5]
  • Travel accident insurance [5]
  • Lost Luggage reimbursement [5]
  • Hotel theft protection [5]
  • Roadside Dispatch [5]
  • Auto rental collision damage waiver [5]
  • Emergency Medical and Dental [5][6]
  • Emergency card replacement
  • Emergency cash advances

Pricing and Terms

With an F&M Visa Credit Card you get the purchasing power of Visa, combined with the strength of Farmers & Merchants Bank. What are you waiting for?

Download a F&M Credit Card application and mail or drop off your completed application to your local office today.

Certain restrictions and limitations apply; please click on the Pricing and Terms for further detail.

See All Services and Fees

Try our Personal Calculators!

1 Personal F&M Credit Cards are available to F&M clients who maintain a deposit 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., registered in the U.S. and other countries. Samsung Pay is a trademark of Samsung Electronics Co., LTD. Android Pay is a trademark of Google Inc.

3 F&M Bank does not charge you a fee for using the F&M Credit Card Alerts service. However, your wireless carrier may charge you for receiving a text message or phone call from us related to this service.

4 Visa 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

5 Coverage is underwritten and administered by companies affiliated with Visa USA Inc. Certain coverage conditions, restrictions, limitations and exclusions apply.

6 Coverage available for F&M Visa Platinum® Credit Card.