| Rewards | 1X point per $1 spent on eligible purchases (standard ongoing earning) |
|---|---|
| Signup Bonus | 0% intro APR for 3 months on purchases Double points (2X) during first 3 billing cycles |
| Annual Fee | None |
| Cardmember Agreement | View Here |
| Cash Advance APR | Variable APR (cash advances): charged at the same variable rate as purchases (typically “as low as 10.99% variable”), |
| Cash Advance Fee | 3% of the amount of each cash advance (minimum $10) |
| Late Payment Fee | $39 late payment fee |
| Purchases APR | As low as 10.99% variable APR (based on creditworthiness and Prime Rate) |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Farm Bureau Premier Business Visa Card is generally known as a straightforward small-business credit card tied to a regional banking network, offering basic spending flexibility rather than flashy rewards or premium perks. It tends to focus more on competitive financing terms and simplicity than on travel benefits or complex cash-back categories.
Most users say the card is easy to manage and appreciate its relatively low variable APR compared to many business cards. Cardholders often mention that customer service feels more personal than with big national issuers, and approval can be more accessible for small or local businesses.
Many reviewers point out that the rewards program is fairly modest compared to top-tier business cards, and it lacks standout perks like strong cash back rates, travel credits, or rich signup bonuses. Some also note that it’s not ideal for maximizing rewards-heavy spending or frequent travelers.
Personally, I think this card makes the most sense for small business owners who value steady rates and simplicity over rewards optimization. If you want a “set it and forget it” business card with decent financing terms, it works. But if you’re chasing high cash back, travel perks, or aggressive signup bonuses, you’ll likely find stronger options elsewhere.
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Bro sorry, but some error occurred :O
B
Surprisingly Helpful for Day to Day Operations
This card ended up being a great fit for my landscaping company. The cash back categories matched my weekly expenses, and statements were easy to reconcile. It felt like a card Built with real businesses in mind.
