Personal Credit Cards

Credit Cards

A First Guaranty Bank Visa Credit Card provides purchasing power and shopping convenience at millions of locations around the world; all with the security of knowing your personal information will be handled locally at a FGB branch and not an out-of-town third party.  Your dreams can become a reality from rewards earned with FGB's Credit Card Rewards Program.

For added flexibility, you can choose the card that works best for your lifestyle and needs. To apply stop by your local branch.


FGB Credit Card Login    Credit card Rewards Login


To report a lost or stolen card:  1.800.325.3678

To dispute charges on your card:  1.800.600.5249


Summary of Terms

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases, Balance Transfers and Cash Advances

Visa® Classic

16.80% Fixed

Visa® Gold



This APR will vary with the market based on the Prime Rate

Paying Interest

Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the posting date.

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about the factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau


Set-up and Maintenance Fees

•      Annual Fee

Visa® Classic


Visa® Gold


Transaction Fees


•      Balance Transfer

•      Cash Advance

•      Foreign Transaction



Up to 4% of the amount of each transaction

Up to 1% of each transaction in U. S. dollars


Penalty Fees

•      Late Payment

•      Returned Payment


Up to $27

Up to $25


ScoreCard® CashBack

Earn CashBack on every purchase made with your First Guaranty Bank Credit Card! There is no enrollment necessary and your earnings are paid out annually. For more details about Cashback, visit your local branch to talk to one of our representatives.





How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See below for more details.

Calculation of Daily Balances: We use the average daily balance method (including current transactions) for calculating your average daily balances. We will determine an average daily balance for (1) each of your purchase balances, and (2) each of your cash advances (including balance transfers) balances. To get the daily balance for your purchase and cash advance (including balance transfer) amounts, we take the beginning balance of your Account each day, add any new purchase, cash advance and balance transfer amounts, as applicable, add any new charges and fees, subtract any applicable portions of payments and credits, and add applicable unpaid interest Charges from the application of the daily periodic rate to each day’s ending balance.

Calculation of Your Interest Charge: Your Interest Charge for the period is based on the applicable Annual Percentage Rate (APR) associated with each balance. We disclose the currently effective APR in our Pricing Information Disclosure, which is part of this Agreement and is included with our letter to you advising you that your Account has been approved. Portions of your Balance, however, may be subject to prior APRs. We calculate Interest Charges separately for your purchase and cash advance (including balance transfer) balances under each applicable APR. We list each balance and the applicable interest rate in the Interest Charge Calculation section of your Statement. We compute each Interest Charge by:

(1)   Calculating the daily balance rate,
(2)   Multiplying the average daily balance for each balance by the applicable daily periodic rate (which is based on the APR applied to that balance),
(3)   Multiplying each of the products in (2) by the number of day in the Billing Cycle, and
(4)   Adding together all the products obtained in (3) to obtain you Total Interest for the period.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided on your monthly statement.

Links from the First Guaranty Bank web site to other web sites are provided solely as a convenience to visitors. If you use these links, you will leave the First Guaranty Bank web site.

The First Guaranty Bank does not have any responsibility or control over any of these external web sites, their content or their privacy policies. We do not endorse or make any representations about third-party external web sites, including any information, products, materials or results that may be obtained from using them.

If you decide to access any of the linked third-party web sites, you do so entirely at your own risk. You are encouraged to review the privacy notice for each linked web site.