You get more rewards choices including cash, travel, or merchandise. You choose!

• No annual fee
• Low variable APR
• Online access: To view account information and make payments.
• Free year-end report: Reflecting account activity.
• Shopping worldwide: At millions of places that accept Visa® Credit Cards.
• Auto Rental Insurance: Automatically covers the repair or loss of a rental car, whenever you use your Visa® Card to pay for the car rental.
• Convenient cash access: At thousands of ATMs.
• Zero Liability Protection: From verified unauthorized purchases online and off.
• Travel Accident Insurance: At no additional charge.
• Travel Assistance Services: Including pre-trip planning, roadside assistance, legal referrals and medical referrals.

For more information visit any of our convenient locations or call us at (800) 888-1498, M-F 8am-6pm PST. Either way, one of our friendly and knowledgeable Customer Service Representatives will be happy to assist you.

Credit Card services and Rewards provided through UMB.

Certain exclusions and conditions apply. Auto Rental Insurance and Travel Accident Insurance provided at no additional cost. For details, see Cardholder Agreement and Guide that accompany your Card.

Farmers & Merchants Bank of Central California Member FDIC.