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Shop easy with a Visa® or Mastercard® credit card in hand. Explore our card options below — including our Platinum Card with rewards!

Key Features

  • Competitive Rates
  • Anytime Funds

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.

Standard Visa or Mastercard

  • Annual Fee & Interest Rate: $35 annual fee with 9.84% APR or no annual fee with 15.84% APR.*
  • Worldwide acceptance
  • 24 hour account information
  • 24 hours ATM cash access
  • Online access to account
  • Pay in full each month by due date to avoid paying interest on balance.
  • Cash Advance: $2.00 or 2% of the amount of each cash advance, whichever is greater. Maximum fee is $20.

Visa Platinum with Rewards

  • No Annual fee
  • Visa Platinum card is a No Annual Fee Credit Card for individuals with an income qualification minimum of $45,000 annually.
  • 9.90% variable-rate APR**
  • Rebates: 1% Annual Rebate on net retail purchases^ or Reward Points to be used for products or services^^.
  • Worldwide acceptance
  • 24-hour account information
  • 24 hour ATM cash access
  • Online access to account
  • Pay in full each month by due date to avoid paying interest on balance.
  • Cash Advance: The fee for each cash advance or balance transfer is the greater of: (a) $5.00 or (b) 2% of the amount of the advance or transfer, up to a maximum fee of $50.00.

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. 

Standard Visa or Mastercard: *Annual Percentage Rate for purchases, cash advances and balance transfers. Late Payment Fee: $10.00. Returned Payment Fee: $15.00. Foreign Transactions: 1% of each transaction in U.S. Dollars.

Visa Platinum card with rewards: **Your APR may vary. It will be adjusted quarterly based on the highest “Prime Rate” published in The Wall Street Journal on the last day of the month prior to the beginning of each calendar quarter. The non-introductory rate for purchases, cash advances and balance transfer is determined by adding 5.9% to the Prime Rate as published in The Wall Street Journal. Maximum APR will not exceed 21%. Current prime rate is 4.00% as of 5/18/22. ^1% Annual Rebate will be credited to the cardholder account in December provided the account is in good standing. ^^Receive 1 point for each U.S. dollar spent on net retail merchandise, up to 10,000 points per month, with an annual maximum of 120,000 points. Late Payment Fee: $25.00. Returned Payment Fee: $22.00.

Subject to credit approval.