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Personal Credit Cards

Purchasing Power and Flexibility with a VISA® Credit Card

What do you want most from your credit card?  Now you have a choice.  Whatever your needs, we have a credit card that’s right for you! At F&M Bank, we believe using a credit card responsibly offers great benefits. Not only do you get the power and flexibility you need to make purchases, but our VISA® and American Express personal credit cards also offer numerous benefits in addition to the support and reach of VISA® and American Express®.

Interactive Rewards Card Comparison






  • Our BEST introductory offer*
  • Save on interest and pay down your other credit card balances faster*
  • 0% introductory APR*
  • Non-Rewards*
  • No Annual Fee*





VISA® REAL Rewards Card

  • Earn 1.5 points monthly for every net $1 you spend on eligible net purchases(equal to 1.5% Cah Back)*
  • No caps or limits on the number of points you can earn, and you have 5 years to redeem rewards*
  • 2,500 bonus rewards p;oints awarded after purchase, redeemable for:
    • $25 Cash Back* or
    • Merchandise* or
    • Gift Cards* or
    • Save towards Travel*






cash rewards american express® card

  • Earn up to 3% cash back on gas*
  • Also earn up to 2% cash back at supermarkets and 1% on all other purchases*
  • No limit on the total cash back you can earn, and you have five years to redeem for cash back*
  • $25 cash back after your first purchase*
  • Entertainment Access – Purchase tickets to popular events before the general public*





PREMIER rewards american express® card

  • 4 points for every $1 spent on net restaurant purchases*
  • 3 points for every $1 spent on eligible net airline purchases*
  • 2 points for every $1 spent on eligible gas purchases*
  • 1 point for every $1 spent on all other eligible net purchases*
  • No caps or limits on the number of points you can earn, and you have five years to redeems for rewards*
  • 10,000 bonus rewards points awarded after you spend $1,000 in the first 3 months (worth $100 Cash Back)*
  • Global Entry or TSA Pre® -Automatic statement credit reimbursement for whichever program you apply for first.  Upon approval, enjoy expedited travel screening at participating airports*


Get Your VISA® Personal Credit Card Today

Stop by any Galesburg, Brimfield or Peoria F&M Bank office today to fill out your credit card application or apply online.

*Certain restrictions, limitations and exclusions apply. Please refer to the attached brochures for complete details.