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 110 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™, Samsung Pay and Android Pay™. Click here to learn more about how to get started using digital wallets today2.

F&M Points RewardsVisa Verified

  • 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, restaurants, travel)
  • Already an F&M Business Credit Card user? Click here to register online for even more savings.


  • Protect your business credit with Verified by Visa
  • F&M Credit Card Alerts - FREE3 notifications via text, phone or email about approaching your credit limit, online activity and irregular purchases. Already an F&M Business Credit Card user? Click here to enroll in F&M Credit 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.
  • 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 Reimbursement4  - Cost of replacing carry-on luggage and its contents while traveling via airline, rail, bus, cruise line, etc.
  • Travel Emergency4 - Visa USA will put you in touch with the appropriate emergency services if needed.
  • Hotel Theft Protection4 - protects personal property stolen from the cardholders hotel or motel room.
  • Purchase Security & Extended Protection4 - Automatically protect many of the new retail purchases that you make with your card.
  • Auto Rental Collision Damage Waiver4 - Reimbursement for damage due to collision or theft up to the actual cash value of most rental vehicles.
  • Emergency Medical and Dental4 - covers expenses incurred as a result of emergency treatment of a sickness or accidental injury during the course of a trip.
  • Travel & Emergency Assistance Service4 - enjoy a wide range of Visa Business emergency services which are available 24hrs/365 days a year.
  • Roadside Dispatch4 - Pay-per-use program provided to our cardholders with 24-hr access.
  • Fraud protection with Visa's Zero Liability5

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.
  • 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

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., 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.

3F&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.

4Coverage is underwritten and administered by companies affiliated with Visa USA Inc. Certain coverage conditions, restrictions, limitations and exclusions apply.

5Visa 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