The Farmers and Merchants Bank is a business credit card from Farmers and Merchants Bank. The annual fee is $0. The ongoing APR is 13.67% variable (Prime Rate + 6.92%; disclosures accurate as of 1/31/2026). Rewards: Unlimited reward points: 1 point for every dollar spent; redeem for cash back, travel, gift cards or merchandise; ScoreCard reward points expire monthly after 36 months. Cash back: Redeem your rewards points for cash-back awards. Loan terms: Revolving business credit card; due date at least 25 days after the close of each billing cycle; no interest on purchases if the entire balance is paid by the due date; cash advances accrue interest from the transaction date. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).