Consumer Platinum Mastercard® with Rewards
from First Bank of Alabama
Consumer 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
Earn points towards Cash back, Merchandise, Travel and Gift Cards
Annual Percentage Rate
APR (For purchases, balance transfers, and cash advances): 12.50% (prime + 5%)
Mobile Payments
Leave your card at home - Apple Pay, Google Pay™, and Samsung Pay enabled
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 APR | Balance Transfer APR | Cash 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
- Apple, Samsung, and Android Checkout
- Online account information - www.fbal.bank
Important Disclosures
| Interest Rates and Interest Charges | |
|---|---|
| Annual Percentage Rate (APR) for Purchases |
Up to 12.50% VARIABLE This APR will vary with the market based on the Prime Rate.* |
| APR for Balance Transfers |
Up to 12.50% VARIABLE This APR will vary with the market based on the Prime Rate.* |
| APR for Cash Advances |
Up to 12.50% VARIABLE This APR will vary with the market based on the Prime Rate.* |
| How to Avoid Paying Interest on Purchases | 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 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. |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To 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 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. |
| Penalty Fees | |
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$32 assessed 10-days after payment due date. |
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$32 |
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."
Billing Rights: Information on your rights to dispute transactions and how to execute those rights is provided in Paragraph 15 of the "Credit Card Contract and Initial Disclosure Statement".
The information on this application is accurate and effective as of July 28, 2025. This information may change after that date. You should contact First Bank of Alabama, P.O. Box 797, Talladega, AL 35161 or at 256-362-2334 for any change of this information after July 28, 2025.
Refer to the "Credit Card Contract and Initial Disclosure Statement" enclosed for additional important disclosures and other information.
*Prime Rate for Mastercard Platinum Account: The Annual Percentage Rate (APR) will vary based on changes in the Index, the US Prime Rate published in the Wall Street Journal. The index will be adjusted based on the US Prime Rate published on the 10th day of each month. If the 10th falls on a day the Wall Street Journal does not publish, the prime rate published on the last publishing day preceding the 10th will be used to adjust the index. Any changes to the index will be effective on the first day of the following month following a change in the index. Increases or decreases in the index will cause the APR and periodic rate to fluctuate resulting in increased or decreased interest charges on the account. We add 5.00% to the Index to determine the APR for Purchases, Balance Transfers, and Cash Advances. The APR will never be greater than 15.90%.