Personal Credit Cards

A credit card has become an indispensable part of our lives with its ease of use and convenient pay-back options.

Easy access to credit

The biggest advantage of a credit card is its easy access to credit. Credit cards function on a deferred payment basis, which means you get to use your card now and pay for your purchases later. The money used does not go out of your account, thus not denting your bank balance every time you swipe.

Building a line of credit

Credit cards offer you the chance to build up a line of credit. This is very important as it allows banks to view an active credit history, based on your card repayments and card usage. Banks and financial institutions often look to credit card usage as a way to gauge a potential loan applicant’s creditworthiness, making your credit card important for a future loans or rental applications.

Record of expenses

A credit card records each purchase made through the card, with a detailed list sent with your monthly credit card statement. This can be used to determine and track your spending and purchases, which could be useful when chalking out a budget or for tax purposes. Lenders also provide instant alerts each time you swipe your card, detailing the amount of credit still available as well as the current outstanding on your card.

Purchase protection

Credit cards offer additional protection in the form of insurance for card purchases that might be lost, damaged or stolen. The credit card statement can be used to vouch for the veracity of a claim, if you wish to file one.

F&M Bank is proud to offer the following credit card options to our personal banking customers in the greater Oklahoma City area.

Low Rate Card

Features

• No annual fee
• Low 2.9% introductory rate for the first six months
• Competitive ongoing APR¹
• Available to applicants in Mastercard® or Visa®
• 25-day interest-free grace period on all purchases. No grace period on cash advances.

Benefits

• 24-hour toll-free live customer assistance available at 800-367-7576
• Online account information available 24/7 at www.cardaccount.net
• Rental car collision damage waiver protection and a host of extraordinary Mastercard^® benefits²
• Unlike some card offers, the APR¹ for purchases and cash advances is the same. We do not charge a higher rate for cash advances.

Fees

• Other fees may be charged, these fees are listed on the downloadable application

World Card / Preferred Points Rewards Card

Features

• Earn points that you can redeem for rewards.  Earn one point for each dollar spent, up to 10,000 points per month.
• Low 2.9% APR rate for first six months
• Competitive ongoing APR¹
• No annual fee
• World card only available in Mastercard^®. Preferred Points Rewards available in Mastercard® or Visa®
• 25-day interest-free grace period on all purchases. No grace period on cash advances.

Benefits

• Redeem your rewards points for cash-back awards, retail gift cards, travel and a wide variety of merchandise including cameras, mp3 players, home theater systems, portable DVD players, sporting equipment, jewelry, luggage, electronics, video game equipment, gift cards and more.
• To view or redeem rewards points, visit www.mypreferredpoints.com or call 866-678-5191
• 24-hour toll-free live customer assistance available at 800-367-7576
• Online account information available 24/7 at www.cardaccount.net.
• Rental car collision damage waiver protection and a host of extraordinary Mastercard benefits²
• Unlike some card offers, the APR ¹ for purchases and cash advances is the same. We do not charge a higher rate for cash advances.

Fees

• Other fees may be charged, these fees are listed on the downloadable application

If you’re looking for banks that offer credit cards in the greater Oklahoma City area, visit your nearest F&M Bank location in Edmond, Yukon, Guthrie, Kingfisher, Piedmont, or Crescent, OK.

Apply now.