F&A's Premier Rewards Visa® program might give you the best of both worlds - low rates and rewards! As an F&A Premier Rewards VISA cardholder you'll enjoy:

  • A rate as low as 8.90% APR**
  • Credit lines ranging from $5,000 up to $25,000
  • 21 day grace period (Purchase Only)
  • No Annual Fees
  • No Over Limit Fees
  • No Cash Advance Fees
  • Free Overdraft Protection
  • No-cost Fraud Protection with $0 deductible

For more information on Extra Rewards or to access Extra Awards, log into Online Banking, click the All Services tab, then click Visa Points.

Other Premier Rewards VISA® benefits:

Auto Rental Collision Damage Waiver (PDF)
Hotel Theft Protection (PDF)
Emergency Evacuation and Transportation/ Repatriation of Remains Coverage (PDF)
Lost Luggage Reimbursement (PDF)
Emergency Medical/ Dental Benefit (PDF)
Travel and Emergency Assistance Services (PDF)

Note: These documents are in PDF format and require Adobe Acrobat Reader to view.
If you don't have this software, you may download it free.

Traveling outside the US? Be sure to check the fraud prevention safeguards we've put in place.

To apply, go to Online Banking, click All Services and select New Loan Application. You can also call us at 800-222-1226 or visit one of our branches.

*The signature of a co-signer who has attained the age of 21 is required. Otherwise, the borrower must submit proof of their independent ability to make the required payment arising from the proposed extension of credit in connection with the account. Requires a minimum $2,500 monthly income. Other restrictions may apply.

APR= Annual Percentage Rate. Other terms and conditions may apply, ask for details. Rates are accurate at time of publication. All rates subject to change. Your actual rate is determined by your credit score and VISA card type.