Farm Bureau Member Rewards Mastercard - Platinum
10,000 reward points welcome bonus. No annual fee.
- Welcome offer
- Issuer's pagefarmbureau.bank
“Receive 10,000 reward points after $500 is spent on purchases in the first 90 days 1”
- Annual fee
- CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
- Purchase APR
- CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
- Recommended credit
- CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $340 | $240 |
| Typical spender | $520 | $420 |
| Heavy spender | $880 | $780 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: points valued at an assumed 1¢.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- No annual fee, like about 85% of the 626 cards we track.
- Worth more to a typical spender than about 85% of the 650 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Welcome offer
10,000 points
$500 in eligible purchases
Receive the bonus after spending $500 on eligible purchases within the first 90 days of opening the account. Available to new card members only. Eligible purchases exclude cash advances, balance transfers, credits, and returns.
How you earn
- 3× pointsGas purchases
- 3× pointsGrocery purchases
- 3× pointsDining purchases
- 2× pointsEligible Farm Bureau Insurance partner purchases
- 1× pointsEverything else
Rates and fees
| Annual fee | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Purchase APR | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Intro APR | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Cash advance APR | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Late payment | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Grace period | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Minimum interest charge | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
Carrying a balance? See how long it takes to pay off
Benefits
- Farm Bureau Bank will pay Farm Bureau membership renewal dues for select states after cardholders meet the applicable spend requirement. State eligibility and minimum annual spend requirements vary by state.
- Zero liability protection against unauthorized card transactions.
- Identity theft global service.
- 24/7 online account management for checking balances, paying bills, viewing card activity, redeeming points, and setting up alerts.
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. farmbureau.bank, since Oct 3, 2026
Other points cards with no annual fee
- GM Business MastercardBarclays · No annual fee+$480 a year
- GM Rewards MastercardBarclays · No annual fee+$480 a year
- CareCredit MastercardSynchrony · No annual fee+$290 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).