Rewards Credit Card

FGB Rewards Credit Card

 Building a successful financial plan takes the right resources. That’s why we work hard to provide you with quality financial services and products. Like our convenient, flexible FGB Visa® Rewards Credit Card. It is accepted at thousands of locations worldwide for just about any type of purchase you can dream up. So, whatever your plans, choose the credit card that gives you all the value and buying power you need.

 

Summary of Terms

Interest Rates and Interest Charges

 

Annual Percentage Rate (APR) for PurchasesFGB Visa® Rewards Credit Card 
9.25%, 13.50% or 17.75% 
Based on your credit worthiness. 
This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers

 

0.00%
Introductory APR for 12 cycles from the date your account is opened.


9.25%, 13.50% or 17.75% 
After the promotional period. This APR will vary with the market based on the Prime Rate.

 

APR for Cash Advances

Up to 18.00%

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

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

 

Minimum Interest ChargeNone
For Credit Card Tips from the Consumer Financial Protection BureauTo learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore

 

 

Fees

 

Annual FeeNone

Transaction Fees

  • Balance Transfer
  • Cash Advance
  • Foreign fees

 

  • None
  • 4% of the amount of each transaction
  • 1% of each transaction in U.S. dollars

Penalty fees

  • Late Payment
  • Over the Credit Line
  • Returned Payment



  • $28
  • None
  • $28
  •  

    Other Fees

    • Card Replacement
    • $5 for Regular Mail 
    • $25 for Express Delivery

     

     

    When you use the FGB Visa® Rewards Credit Card for purchases of goods or services, the following benefits are yours!

    Travel Accident Insurance

    You, your spouse and dependent children up to age 19 (age 25 if a full-time student at any institute of higher learning) are automatically covered with common carrier travel accident insurance every time you travel by air, bus, train, ship, taxi, or any other common carrier anywhere in the world when you charge your entire fare to our card. This coverage is provided to you at no extra cost.

    (See Travel Accident Insurance Brochure for more information.)

    ScoreCard Rewards

     Earn points for every net retail purchase you make with our FGB Visa® Rewards Credit Card! You can redeem points for brand name merchandise, exciting travel awards as well as convert your points to cash.

    Visit www.scorecardrewards.com and browse the current award selections. You’ll be amazed at what ScoreCard® has to offer! To find out how the plan works, ask one of our friendly representatives.

     

     

    How we will Calculate Your Balance: We use a method called “average daily balance” including new purchases. See your account agreement for further information regarding how we calculate your balance.
    Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Account Agreement. All contents are accurate as of September 2019. For changes that may have occurred after printing, please call 1-888-375-3093 or write to us at First Guaranty Bank, Attn: Credit Card Department, 400 East Thomas Street Hammond, LA 70401
    How We Will Calculate Your Variable APRs: We calculate variable APRs by adding a margin to the highest U.S. Prime Rate published in the Money Rate section of the Wall Street Journal two business days (not weekends or federal holidays) before the closing date shown on your billing statement. The APR may increase or decrease each month if the Prime Rate changes. Any new rate will be applied as of the first day of your billing cycle during which the Prime Rate has changed. If the APR increases, you will pay the higher interest charge and may pay a higher minimum payment. The Prime Rate is simply a reference index and is not the lowest rate available. If the Wall Street Journal stops publishing the Prime Rate, we will select a similar reference rate. Prime Rate: Variable APRs are based on the 5.25% Prime Rate as of August 15, 2019
    Purchase APR: For Purchase transactions, based on credit worthiness, we add a Margin of 4.00% - 12.50% to the Prime Rate. The Purchase APR may increase or decrease each month if the Prime Rate changes, but will not exceed the maximum rate of 18.00%. The Monthly periodic rate of FINANCE CHARGES will be no less than 1.125% and no greater than 1.50%.
    Balance Transfer APR: For Balance Transfer transactions, we add a Margin of 4.00% - 12.50% to the Prime Rate. The Balance Transfer APR may increase or decrease each month if the Prime Rate changes, but will not exceed the maximum rate of 18.00%. The Monthly periodic rate of FINANCE CHARGES will be no less than 1.125% and no greater than 1.50%. Cash APR: For Cash transactions, we add a Margin of 4.00% - 12.50% to the Prime Rate. The Cash APR may increase or decrease each month if the Prime Rate changes, but will not exceed the maximum rate of 18.00%. The Monthly periodic rate of FINANCE CHARGES will be no less than 1.125% and no greater than 1.50%.
    Military Lending APR: Effective October 1, 2017, Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or account); and any participation fee charged (other than certain participation fees for a credit card account).
    Information contained in this First Guaranty Bank Disclosure is accurate as of 08/19/2019 and is subject to change thereafter. To obtain more recent information, please call us at 1-888-375-3093.

     

     

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