Our illustration, not the card’s design
Farm Bureau Bank Fsb credit card
Farm Bureau Member Rewards Mastercard - Platinum
No annual fee. 10,000 reward points after you spend $500 in 3 months. Purchase APR 16.74–29.99%, variable.
Checked Nov 1, 2026Updated
- Welcome offer
- Receipt · Welcome offerChecked Nov 1, 2026
Issuer's page · farmbureau.bank
“Receive 10,000 reward points after $500 is spent on purchases in the first 90 days 1”
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
CFPB credit card survey · Reported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
- Purchase APR · variable
- Receipt · Purchase APRChecked Nov 1, 2026
CFPB credit card survey · Reported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
- Credit asked
- Receipt · Credit askedChecked Nov 1, 2026
CFPB credit card survey · Reported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
Select an underlined figure to see where it comes from.
Farm Bureau Bank Fsb’s terms
Welcome offer
10,000 points
After you spend $500 on purchases in your first 3 months.
- Spending it takes
- $167 a month
- for 3 months
- Tracking since
- Nov 1, 2026
- history will chart every change
The spending requirement must be met within the first 90 days of opening the account.
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | $340 | $240 | |
| Typical spender | $520 | $420 | |
| Heavy spender | $880 | $780 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
Assumed: points valued at an assumed 1¢.
$240a year
$340 the first year, with the welcome bonus.
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: points valued at an assumed 1¢.
$420a year
$520 the first year, with the welcome bonus.
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: points valued at an assumed 1¢.
$780a year
$880 the first year, with the welcome bonus.
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: points valued at an assumed 1¢.
Use your own spending
Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards
Against the market
How it compares
Worth more to a typical spender than about 80% of the 732 cards we track.
- No annual fee, like about 85% of the 711 cards we track.
Other points cards with no annual fee
- Kirtland FCU VISA PLATINUM REWARDSKirtland Federal Credit Union · No annual fee+$335 a year
- CareCredit MastercardSynchrony · No annual fee+$290 a year
- Advanced Financial FCU Everyday Rewards VisaAdvanced Financial Federal Credit Union · No annual fee+$275 a year
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Farm Bureau Member Rewards
How you earn
- 3×
- Gas purchasesGrocery purchasesDining purchases
- 2×
- Eligible Farm Bureau Insurance partner purchases
- 1×
- Everything else
Points per dollar. “What it’s worth” values a point at an assumed 1¢.
Benefits
- Farm Bureau Bank will pay Farm Bureau membership renewal dues for eligible members in participating states after applicable spending requirements are met. State eligibility and minimum annual spend requirements vary by state.
- Zero liability protection against unauthorized card transactions.
- Identity theft global service.
- Concierge service for World Mastercard holders; the cost of goods and services is billed to the Mastercard.
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Intro APR | Receipt · Intro APRChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Cash advance APR | Receipt · Cash advance APRChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Late payment | Receipt · Late paymentChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Grace period | Receipt · Grace periodChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Minimum interest charge | Receipt · Minimum interest chargeChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
Questions
- What is the annual fee?
- None · Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
- What is the purchase APR?
- 16.74–29.99% APR · Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
- Is there an intro APR?
- 0% for 9 months. · Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
- Is there a welcome bonus?
- 10,000 reward points after $500 in purchases in 3 months. · farmbureau.bank, since Oct 5, 2026