First Bank of Alabama
Credit Cards

VISA Classic
from First Bank of Alabama

VISA Classic

VISA Classic
from First Bank of Alabama

$0 Annual Fee



Important Disclosures

IF YOU'RE LOOKING FOR A NO FRILLS CARD WITH A LOW RATE, THIS ONE IS FOR YOU!

$0 Annual Fee

$0 Annual Fee

Keep more of your money

Fixed Annual Percentage Rate

Fixed Annual Percentage Rate

APR (For purchases, balance transfers, and cash advances): 15.90%

Mobile Payments

Mobile Payments

Leave your card at home - Apple Pay, Google Pay™, and Samsung Pay enabled

Pen & Paper

Interest Rates & Fees Summary

Purchase APR
15.90% Fixed
Balance Transfer APR
15.90% Fixed
Cash Advance APR
15.90% Fixed
Purchase APRBalance Transfer APR Cash Advance APR
15.90% Fixed15.90% Fixed15.90% Fixed

Please see Important Disclosures for interest rate, fee, and other information. All terms may be subject to change.

Additional Product Features

  • Apple, Samsung, Android, Visa® Checkout
  • Online account information - www.firstbankal.com
  • Visa® Secure

Important Disclosures

Consumer Visa
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
Penalty APR and When It Applies 18.00%
The Penalty APR may be applied to your account if you:
1) Make a late payment
2) Make a payment that is returned.
How Long Will the Penalty APR apply? If your APRs are increased, the Penalty APR will apply until you make six (6) consecutive minimum payments when due.
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 No minimum interest charge.
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
  • 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.
    Penalty Fees
  • Late Payment
  • Up to $35 assessed 10-days after payment due date.
  • Returned Payment
  • Up to $35.
    Other Fees
  • Card Replacement
  • Up to $10.00
  • Rush Card Fee
  • $35.00
  • Sales Receipt / Retrieval Fee
  • $2.00
  • Statment Reprint
  • $2.00

    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 1, 2020. 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 1, 2020.

    Refer to the "Credit Card Contract and Initial Disclosure Statement" enclosed for additional important disclosures and other information.

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