Business Mastercard® with Rewards
from First Bank of Alabama
TRAVEL, MERCHANDISE, GIFT CARDS, AND MORE - YOU NAME IT, YOU'VE GOT IT WITH THIS REWARDS CARD!
First Rewards Loyalty Program
Earn points towards Cash back, Merchandise, Travel and Gift Cards
$0 Annual Fee
Keep more of your money
Fixed Annual Percentage Rate
APR (For purchases, balance transfers, and cash advances): 15.90%
Interest Rates & Fees Summary
- Purchase APR
- 15.90% Fixed
- Balance Transfer APR
- 15.90% Fixed
- Cash Advance APR
- 15.90% Fixed
| Purchase APR | Balance Transfer APR | Cash Advance APR |
| 15.90% Fixed | 15.90% Fixed | 15.90% Fixed |
Please see †Important Disclosures for interest rate, fee, and other information. All terms may be subject to change.
Additional Product Features
- Online account information - www.fbal.bank
Important Disclosures
| Interest Rates and Interest Charges | |
|---|---|
| Annual Percentage Rate (APR) for Purchases | 15.90% FIXED |
| APR for Balance Transfers | 15.90% FIXED |
| APR for Cash Advances | 15.90% FIXED |
| 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 or balance transfers if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date. You cannot avoid paying interest on cash advances. |
| Minimum Interest Charge | If you are charged interest, the charge will be no less than $1. |
| Fees | |
| Annual Account Fee | None |
| Transaction Fees | |
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Either $10 or 3% of each cash advance, whichever is greater. |
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No fee for transfer of balance from another credit card. |
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1% of the transaction amount, in U.S. Dollars. |
| Penalty Fees | |
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$32 assessed 10-days after payment due date. |
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$32. |
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$32. |
HOW WE WILL CALCULATE YOUR BALANCE: We use a method called "average daily balance (including new purchases)." See your card Agreement for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your card Agreement. If an account is opened, a Business Credit Card Agreement will be provided with each card issued. Please read and retain the Agreement, the Card Carrier containing the card, and any other documents that are received with the card.
Refer to the "Credit Card Contract and Initial Disclosure Statement" for additional important disclosures and other information.