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 111 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. Click here to 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.
- 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