The FM Bank and Trust is a personal credit card from FM Bank and Trust. Application typically pulls a hard report from TransUnion. The annual fee is Annual Membership Fee: None. The ongoing APR is 17.49% to 28.49% based on your creditworthiness when you open your account; this APR will vary with the market and is based on the Prime Rate (terms accurate as of 10/2026) after a 0% introductory APR for the first 21 billing cycles on purchases and on balances transferred within 651 days from account opening introductory rate. Rewards: 4% Cash Rewards for every $1 in eligible Net Purchases on prepaid air, car rental, attractions, and hotel purchases made via the Travel Center.