The FM Bank and Trust is a business credit card from FM Bank and Trust. Application typically pulls a credit report from TransUnion. The annual fee is Annual Membership Fee: None. 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 accurate as of 10/2026) after a 0% introductory APR for the first 6 billing cycles on purchases and on balances transferred within 186 days from account opening introductory rate. Signup bonus: 2,500 bonus points after your first purchase. Rewards: 1.5 Points per dollar on eligible Net Purchases; 5.5 Points per dollar on prepaid car and hotel reservations purchased in the Travel Center.