![First Farmers & Merchants State Bank Smart Business Rewards Card First Farmers & Merchants State Bank Smart Business Rewards Card](https://39f6f821fa03de239594-9f1c16ccc3b26ce57656bb4af99947b6.ssl.cf2.rackcdn.com/3d88472d-5d79-4802-947b-7b4fe6f92c3e.png)
Smart Business Rewards Card
Earn a $200 Bonus
2X Rewards1
Earn 2 points in your top 2 spend categories each month, automatically
1X Rewards1
Earn 1 point on all other eligible purchases
$200 bonus2
Earn 20,000 bonus rewards points when you spend $500 in the first 90 days of account opening
So many rewards
No caps or limits1:
on the number of points you can earn
Flexible Redemption:
Redeem points for your choice of cash back, travel, gift cards and merchandise
APR for Purchases and Balance Transfers:
19.99% to 26.99% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. First Farmers & Merchants State Bank Smart Business Rewards Card Terms & Conditions
Now pay over time with a Card ExtendPay plan
Split purchases into affordable payments with no interest – just a low, fixed monthly fee*.
New cardmembers receive a $0 fee offer on ExtendPay plans opened in the first 60 days after account opening.
Annual Fee
$0 introductory annual fee for the first 12 months. After that, $95 for Account Owners and $0 for Authorized Employees. First Farmers & Merchants State Bank Smart Business Rewards Card Terms & Conditions
Free employee cards:
Keep track of employee expenses while earning as many rewards as possible
Elan Financial Services may change APRs, fees and other Account terms in the future based on your experience with it and its affiliates as provided under the Cardmember Agreement and applicable law.
Subject to credit approval.
The Elan Reward Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are considered to be Purchases and eligible to earn rewards, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items. Upon approval, see your Cardmember Agreement for rewards, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).
- *Elan Card ExtendPay fees: A monthly fee not to exceed 1.6% of the original principal amount in an Elan Card ExtendPay plan. This fixed fee is disclosed upon enrollment and charged each month that you owe the applicable ExtendPay balance. ExtendPay fees are calculated based upon the original principal amount, Purchase APR, and other factors. When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for ExtendPay plans if any, and then to non-Fixed Payment Program balances in the order of the lowest to highest APR. Any amount over your Minimum Payment is applied to balances in the order of highest to lowest APR.
- 1. You will earn 1 Point for every dollar in eligible net purchases charged to your Account during each billing cycle. In addition, you will earn 1 additional bonus Point (for a total of 2 Points) for every dollar in eligible net purchases in your top two highest merchant spend categories ("Highest Categories") each billing cycle. Highest Categories can change with each billing cycle, depending on your purchase behavior during a particular billing cycle. Highest Categories automatically adjust to reward you on where you spend the most. Some exclusions apply. Please visit https://card.myaccountaccess.com/smartbusinessVisa to see the full list of eligible merchant categories. Merchants are assigned codes based on what they primarily sell. Elan Financial Services cannot control how merchants choose to classify their business and reserves the right to determine which purchases qualify. A purchase will not earn additional points if the merchant's code is not eligible. Points expire five years from the end of the quarter in which they are earned.
- 2. A one-time bonus of 20,000 points will be awarded if you are approved and eligible Net Purchases totaling $500 or more are made on the Authorized Officer's Card within the first 90 days of account opening. These bonus points will be awarded on your monthly billing statement. This offer may not be combined with any other bonus offer. Additional bonus points are earned only on Authorized Officer purchases. Please allow 6-8 weeks for your bonus points to be credited to your account.
The creditor and issuer of these Cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporate.