Credit Cards

Make everyday purchases, earn points and choose from available rewards with a Farmers Bank & Trust Mastercard® Credit Card. New cardholders can also take advantage of a 0% introductory rate for six months.*
 









Rewards and Convenience Built In

Earn 1.5% cash back on all purchases or redeem your points toward plane tickets, hotels, clothing, electronics, and more - all from hundreds of popular retailers! 

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Apply Online in Three Steps

  1. Select Apply Online below to enter our secure application portal.
  2. Select Sign Up to create a profile. If you previously created a profile or started an application, select Log In to continue.
  3. Choose Consumer Financing, then complete and submit the credit card application.
 

Manage Your Credit Card

Access and manage your Farmers Bank & Trust Personal Credit Card through MyFarmers Online and Mobile Banking.

  • View transactions
  • Make credit card payments
  • Manage and redeem available rewards
  • Monitor your credit score
  • Message the Customer Contact Center during business hours
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Personal Credit Card Benefits:

  • Zero Liability Protection*
  • 24/7 assistance for a lost or stolen card
  • EMV chip technology
  • Digital wallet compatibility
  • Merchandise and travel rewards
  • 1.5% cash-back reward option

Need Help With Your Card?

For 24/7 credit card assistance, call: 
888-208-9604 

Foundation Credit Card 

Designed for first-time credit users, the Farmers Bank & Trust Foundation Credit Card offers a manageable starting limit to help establish responsible credit habits.

 
Available to applicants ages 18 and older 
$750 limit
No annual fee
 
Additional Features:
  • View transactions and make payments through MyFarmers Online and Mobile Banking
  • Responsible card use may help you qualify for a Farmers Bank & Trust Personal Credit Card
  • Rates, fees and eligibility requirements apply
Apply Online 
 










We use a method called “average daily balance” (including new purchases).
Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
If you make a late payment during the Introductory APR promotional period, we may end your introductory APR for Balance Transfers and apply the APR in effect at that time.
 
*Introductory APR Offer for Balance Transfers: Introductory APR for balance transfer requests must be made within six (6) months of account open date and the promotional rate is good for six (6) billing periods after the balance transfer posts. Balance Transfers requested after this time will have an APR equal to the assigned purchase rate (excluding any introductory APR). The 3% transfer fee is waived during the introductory period.
All account terms are governed by the Credit Card Agreement. Account and Agreement terms are not guaranteed for any period of time. In accordance with the Agreement and applicable law, we may change them based on information in your credit report, market conditions, business strategies, or for any reason.






** If your Total Minimum Payment Due is not received by your Payment Due Date, a Late Payment Fee will be assessed. However, the Late Payment Fee will not exceed the total minimum payment that was due.