FDIC-Insured - Backed by the full faith and credit of the U.S. Government
First Bank of Alabama
Credit Cards

Business Platinum Mastercard® with Rewards
from First Bank of Alabama

Business Platinum Mastercard® with Rewards

Business Platinum Mastercard® with Rewards
from First Bank of Alabama

$0 Annual Fee



†Important Disclosures

TRAVEL, MERCHANDISE, GIFT CARDS, AND MORE - YOU NAME IT, YOU'VE GOT IT WITH THIS REWARDS CARD!

First Rewards Loyalty Program

First Rewards Loyalty Program

Earn points towards Cash back, Merchandise, Travel and Gift Cards

$0 Annual Fee

$0 Annual Fee

Keep more of your money

Annual Percentage Rate

Annual Percentage Rate

APR (For purchases, balance transfers, and cash advances): 12.50% (prime + 5%)

Pen & Paper

Interest Rates & Fees Summary

Purchase APR
12.50% Variable (Wall Street Journal “Prime Rate” + 5%)
Balance Transfer APR
12.50% Variable (Wall Street Journal “Prime Rate” + 5%)
Cash Advance APR
12.50% Variable (Wall Street Journal “Prime Rate” + 5%)
Purchase APRBalance Transfer APRCash Advance APR
12.50% Variable (Wall Street Journal “Prime Rate” + 5%)12.50% Variable (Wall Street Journal “Prime Rate” + 5%)12.50% Variable (Wall Street Journal “Prime Rate” + 5%)

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

Business Platinum Mastercard® with Rewards (revolving)

THIS IS A VARIABLE RATE PRODUCT: The Index used is the Wall Street Journal “Prime Rate”. The APR applied to purchases, balance transfers and cash advances is the Prime Rate plus a margin of 5.00%. Rate changes to the account will be effective on the first day of the subsequent billing cycle following the Index change. The APR will never be greater than 15.90%.
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 12.50% VARIABLE
This APR will vary with the market based on the Wall Street Journal Prime Rate*.
APR for Balance Transfers 12.50% VARIABLE
This APR will vary with the market based on the Wall Street Journal Prime Rate*.
APR for Cash Advances 12.50% VARIABLE
This APR will vary with the market based on the Wall Street Journal 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 and 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
  • Cash Advance
    		•  Either $10 or 3% of each cash advance, whichever is greater.
  • Balance Transfer
    		•  No fee for transfer of balance from another credit card.
  • Foreign Transaction
    		•  1% of the transaction amount, in U.S. Dollars.
    Penalty Fees
  • Late Payment
    		•  $32 assessed 10-days after payment due date.
  • Returned Payment
    		•  $32.
  • Over Limit
    		•  $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.

    FIRST BANK OF ALABAMA • P.O BOX 797 • TALLADEGA, AL 35161 • 256-362-2334