Visa® Business Cash Preferred Card — Farmers & Merchants Bank is a business credit card from Farmers & Merchants Bank. Application typically pulls a hard report from TransUnion. The annual fee is $0. The ongoing APR is 17.49% to 26.49% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. (terms dated 10/2026) after a 0% introductory rate for 12 months. Signup bonus: $500 cash back when you spend $5,000 within the first 150 days. Rewards: 3% cash back on eligible Net Purchases at dining (incl. takeout/delivery), gas and EV charging (excl. wholesale clubs and discount stores/supercenters; gas/EV over $200 earns 1%), office supply stores and cell phone service providers; 1% on all other; 5% (1% base + 4% bonus) on prepaid car and hotel reservations in the Travel Center. No $100 software statement credit shown.. Cash back: 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less), cell phone service providers, office supply stores and dining, including takeout and food delivery service purchases; 1% cash back. Loan terms: Revolving business credit card; due date 24-30 days after the close of each billing cycle; no interest on new purchases if the entire balance (or Plan Adjusted Balance) is paid in full by the due date each month; interest on cash advances and balance transfers from the transaction date; minimum interest charge $1; average daily balance (including new purchases); optional Card ExtendPay fixed-payment plans.. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Underwritten by Elan Financial Services (US Bank program). Bureau pull varies by state: TransUnion (~52%), Experian (~25%), Equifax (~24%).