Personal or Business Credit Cards for Every Lifestyle

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Flexibility, Rewards, and Local Support

Everyday transactions, travel expenses, or unexpected emergencies are easier to manage when you have an F & M Bank Credit Card in your wallet. Increase your spending power with the card that fits your needs and lifestyle.

Our New Credit Cards Options

Platinum-Credit-Cards

Platinum Credit Cards

Experience hometown convenience, worldwide acceptance and great benefits.

3 Great Options All From the Bank You Know Best:

Rewards Platinum

Unlimited reward points that don’t expire. Earn one point per dollar on net purchases and redeem them for merchandise, rental cars, travel, and more. Visit cRewardsCard.com for details.3

Cash Rewards Platinum

Earn 1% cash back on all net purchases. Cash rewards never expire.3

Platinum Edition

No penalty APR and competitive rates.

Enjoy the Following Features with All of the Above Options:

  • Competitive Rates*
  • Mobile Payments for a Safe and Secure Way to Pay
  • Free FICO® Score1
  • Cell Phone Protection2
  • Fraud Monitoring and Zero Fraud Liability
  • SecurLOCK™ Email and Text Fraud Alerts
  • ID Navigator Powered by NortonLifeLock
Learn More/Apply Now

*See the card application’s Important Disclosures for current terms, rates and fees. This card is issued by TCM Bank, N.A. Subject to credit approval.

1FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. FICO® Scores are updated monthly. You may not see your FICO® Score right away. Some exclusions apply. Cardholders receiving employee pricing are not eligible.

Visa-Credit-Cards-

Visa Signature® Credit Cards

Go beyond ordinary rewards.

2 Great Options From the Bank You Know Best:

VISA Signature®

  • Earn 30,000 bonus points when you spend $2,500 in the first 3 months.1
  • Earn 1.5 points per dollar on net purchases. Points do not expire and there is no cap.1

Excursion™ VISA Signature®

  • Earn 2% cash back on air travel, hotels, and dining.1
  • Earn 1% cash back on all other purchases.1

Plus, Receive Competitive Rates* with Exclusive Perks and Great Benefits:

  • Access to Visa Signature Luxury Hotel Collection
  • Rental Car Privileges with AVIS and Budget
  • 24/7 Concierge Service
  • Mobile Payments
  • Zero Fraud Liability and Fraud Monitoring
  • Email and Text Fraud Alerts
Learn More/Apply Now

*See the card application’s Important Disclosures for current terms, rates, and fees. This card is issued by TCM Bank, N.A. Subject to credit approval.

1 In order to access rewards, your account must be open and in good standing.

Secured-Credit-Cards

Secured Credit Card

The perfect solution if you are looking to build or re-build credit.

Our Secured Credit Card* works like any other credit card except it requires a security deposit which is held as collateral for your account.

Plus, You Receive These Great Benefits:

  • Graduation Eligibility: With responsible use, you may become eligible for graduation to an Unsecured Credit Card in as little as 13 months.
  • Free FICO® Score1
  • Fraud Monitoring & Zero Fraud Liability
  • Text & Email Fraud Alerts
  • Mobile Payments
  • 24/7, U.S.-based Customer Service
  • Financial Education
Learn More/Apply Now

See the card application’s Important Disclosures for current terms, rates and fees. This card is issued by TCM Bank, N.A. Subject to credit approval.

1FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. FICO® Scores are updated monthly. You may not see your FICO® Score right away. Some exclusions apply. Cardholders receiving employee pricing are not eligible.

Get Started Today with F&M Bank Credit Cards

CHOOSE YOUR LOCAL BANK BEFORE GETTING STARTED:

Apply Now & Learn More:

FM-bank-colorodo

F&M Bank in Colorado

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Apply Now & Learn More:

FM-bank-of-colby

Farmers & Merchants Bank of Colby

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Or Speak Directly with a Personal Banker:

platinum-credit-card

Platinum Rewards Card

Experience hometown convenience, worldwide acceptance, and great benefits.

  • Earn reward points on every purchase
  • Redeem points for travel, merchandise, gift cards, and more
  • No expiration on points
  • Includes Visa Signature benefits such as purchase protection and travel perks

Cash Back Card

Perfect for everyday spending with consistent returns.

  • Earn 1% cash back on all qualifying purchases
  • No caps or rotating categories
  • Simple rewards that never expire

Visa Signature® Card

Premium rewards and valuable bonuses.

  • Earn 30,000 bonus points after qualifying initial spend
  • Earn 1.5 points per dollar on all purchases
  • No point expiration or earning limits
  • Added Visa Signature privileges and protections

Secured Credit Card

A strong start for building or rebuilding your credit history.

  • Requires a refundable security deposit
  • Functions like a standard credit card
  • Monthly reporting to credit bureaus
  • May be upgraded to an unsecured card with responsible use over time

Features That Come Standard

  • Trusted Visa acceptance at millions of locations worldwide
  • EMV chip technology and fraud monitoring for secure transactions
  • 24/7 customer service and online account access
  • Monthly statements and digital tools to help you track spending and manage rewards
  • Personalized assistance from your local Farmers & Merchants Bank team
credit-cards

How to Apply

Getting started with the right credit card is quick and convenient:

1

Consult with a Banker

Speak with a team member to review your financial goals and match you with the best card.

2

Complete a Simple Application

Apply in person or request an application by phone.

3

Start Using Your Card

Once approved, start using your card for purchases and begin earning rewards.

4

Manage Easily

Access your account online, view transactions, make payments, and monitor your rewards anytime..

Important Information

All credit card accounts are subject to credit approval. Terms and conditions—including interest rates, fees, and reward program rules—apply. Credit limits and eligibility are determined based on individual creditworthiness. Speak with a banker for full details.

We’re Here to Help

Open an Account Personal Online

Have questions or ready to apply? Contact your local branch or give us a call. Our team is here to guide you through the process and ensure you find the credit card that fits your needs.

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