Credit cards are on of the most secure, and most convenient method of payment today. Today's credit cards come standard with features like built-in fraud protection, and incentives such as travel rewards points and cashback.
It's no wonder why 70% of Americans have at least one credit card in their wallet and are using this over cash, debit cards, or alternative forms of payment.
For those who want the benefits that come with a credit card, without the hassle of dealing with corporate mega-banks, consider applying for the Farmers Bank credit card.
At Farmers Bank, our focus is on providing the best service, and the best financial products to the members of our local community. We are the local bank you can trust, with tradition you can count on.
Read our Farmers Bank credit card guide below to discover why this card might be perfect for you.
Security Features of the Farmers Bank Credit Card
The Farmers Bank credit card comes loaded with the features you need in our modern society. For starters, we've partnered with Visa, the world's leader in credit card issuance.
Unlike other payment processors, Visa doesn't issue cards directly but partners with member financial institutions, like Farmers Bank, to supply credit cards to the public. And Visa cards are accepted around the globe.
Our Visa credit cards come embedded with EMV chips, which provide security to your purchases by preventing fraud. If someone manages to use your card for unauthorized purchases, you will never be held liable. You won't have to pay for these purchases, as Visa will make it right.
And you can use the Card Valet app to go to greater lengths to control and protect your card account. Through the app, you can turn your cards on or off at any time and receive alerts for new card activity.
You can even set limits on your card for where it can be used and how much can be spent on individual purchases to prevent unauthorized access.
Earn Rewards With the Farmers Credit Card
One of the biggest benefits of using your new Farmers credit card is our flexible cashback program. Through the uChoose Rewards Program, you'll earn one rewards point for every dollar you spend on your credit card.
Spending $100 earns you 100 points, while spending $1,000 will earn you 1,000 points. There are no purchase or category restrictions.
You can redeem your points at any time on whatever rewards options you choose. Our members love redeeming points for electronic gift cards at your favorite retailers.
Or you can redeem points for anything else available on the uChoose Rewards catalog, including airfare, event tickets, electronics, and more.
Once your Farmers credit card is open, you'll register your account with the uChoose Rewards website. You can earn a maximum of 120,000 points each year, and points are valid for up to three years following the month that they were posted to your account.
No Annual Fees With Corresponding Checking Account
Many financial institutions charge annual fees for their credit cards, which often range from $95 per year to more than $400 per year. But with the Farmers credit card, you can enjoy the card benefits for free, as long as you also have the Farmers Bank Tradition Checking Account.
With a Farmers checking account, paying off your card each month is fast and easy through your online portal. The Tradition Checking account is an interest-bearing account. And it's free to maintain, so long as your balance remains above $200.
And with this checking account, you'll receive your first box of checks for free and get free money orders and cashiers checks (two per day). You'll also get the benefit of redeeming your credit card points for cashback if you have the Tradition Checking account.
By having both a Tradition Checking Account and a Farmers credit card, you can enjoy all of these benefits at no additional cost to you by maintaining a minimum monthly balance.
Want to know our current Farmers Bank credit card rates? You can give us a call or visit your local branch for answers to any credit card-related questions.
Farmers Bank Credit Card Tips
Your Farmers credit card is perfect for any type of purchase. They can be used for easy and secure payments online through your favorite retailers. You can also use them to pay bills, such as household utilities or insurance, and set up recurring monthly payments.
Use them locally, as almost any store or restaurant accepts Visa credit cards without restrictions. They're also perfect for travel reservations, where deposits are often required when booking and during the length of your reservation.
Remember, the more you use your Farmers credit card, the more points you'll earn, and the more freebies you can redeem them for.
Credit cards also make it possible to get refunds directly through Visa. If you are scammed and make a purchase from a company that doesn't deliver, you can dispute the transaction.
You can also add your Farmers credit card to your mobile wallet on your smartphone through Apply Pay, Google Pay, and Samsung Pay. Doing so allows you to make contactless payments at most retailers. Having a mobile wallet in place is perfect for when you forget your wallet.
Farmers Credit Card Application
Ready to fill out your Farmers Bank credit card application? The easiest way to apply for your new credit card is to visit a local Farmers Bank Branch.
We currently have six convenient locations in Buhl, Jerome, Twin Falls, and Wendell, Idaho. Our branch locations are open from 9 AM to 5 PM, Monday through Thursday, and from 9 AM to 6 PM on Fridays.
We cannot wait to help you open a credit card that will work for you.
Visit Your Local Branch Today
Most Americans use debit and credit cards for all of their purchases. They are easy to carry and use, widely accepted, and offer excellent security and fraud protection.
And with the rewards offered by the Farmers credit card, and the opportunity to open the card without an annual fee, there's no reason not to open a card today.
Visit your local Farmers Bank branch to see how we can help you with all your borrowing needs today