Bank · FDIC insured
Farmers State Bank Credit Card Rates
Farmers State Bank credit cards start at 14.99% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Farmers State Bank’s credit card rates compare
Compared with banks and credit unions near Cedar Rapids, IA, where Farmers State Bank has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
Farmers State Bank
14.99%APR
- Up to
- 24.99% APR
Platinum Edition Visa®
Lowest rate
AIM Credit Union
9.90%APR
- Up to
- —
2nd-lowest rate
Corda Credit Union
9.90%APR
- Up to
- 18.90% APR
Farmers State Bank credit card score
62
Credit card score
Higher than 6% of U.S. banks and credit unions
- Purchase APRPurchase APR14.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Farmers State Bank ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Cash Rewards Platinum Visa®
Earn 1% cash back on all net purchases. Account must be open and in good standing to access rewards.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | 0% Intro APR applies to purchases for the first 12 billing cycles after account opening. Late payment during intro period may end intro APR. |
| Ongoing | 17.74%–26.99% | None | Variable APR based on Prime Rate (6.75%) plus a margin. |
Sources (1)
- myfsbonline.com/personal/banking/credit-cards · captured Oct 5, 2026
Excursion™ Visa Signature®
Earn 2% cash back on air travel, hotels, and dining, and 1% cash back on all other purchases. Account must be open and in good standing to access rewards.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | $0 Intro fee for the first year. 0% Intro APR applies to purchases for the first 12 billing cycles after account opening. Late payment during intro period may end intro APR. |
| Ongoing | 17.99%–24.99% | $20 | After first year, $20 annual fee is charged on 13th billing cycle and annually thereafter, waived if annual net spend for preceding 12 months is $15,000 or greater. Variable APR based on Prime Rate (6.75%) plus a margin. |
Sources (1)
- myfsbonline.com/personal/banking/credit-cards · captured Oct 5, 2026
Platinum Edition Visa®
Low rate card option.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | 0% Intro APR applies to purchases for the first 12 billing cycles after account opening. Late payment during intro period may end intro APR. |
| Ongoing | 14.74%–24.74% | None | Variable APR based on Prime Rate (6.75%) plus a margin. |
Sources (1)
- myfsbonline.com/personal/banking/credit-cards · captured Oct 5, 2026
Rewards Platinum Visa®
Earn one point for every dollar spent. Account must be open and in good standing to access rewards.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | 0% Intro APR applies to purchases for the first 12 billing cycles after account opening. Late payment during intro period may end intro APR. |
| Ongoing | 16.74%–26.74% | None | Variable APR based on Prime Rate (6.75%) plus a margin. |
Sources (1)
- myfsbonline.com/personal/banking/credit-cards · captured Oct 5, 2026
Visa® Signature
Earn 30,000 Bonus Points when you spend $2,500 in the first 3 months. Earn 1.5 points per dollar on all net purchases. Account must be open and in good standing to access rewards.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | 0% Intro APR applies to purchases for the first 12 billing cycles after account opening. Late payment during intro period may end intro APR. |
| Ongoing | 16.49%–22.49% | None | Variable APR based on Prime Rate (6.75%) plus a margin. |
Sources (1)
- myfsbonline.com/personal/banking/credit-cards · captured Oct 5, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.