Business Credit Cards

Credit Cards

A First Guaranty Bank Business Visa Credit Card provides purchasing power and shopping convenience at millions of locations around the world; all with the security of knowing your personal information will be handled locally at a FGB branch and not an out-of-town third party.  

To apply stop by your local branch.

To report a lost or stolen card:  1.800.325.3678
To dispute charges on your card:  1.800.600.5249 

Credit Limit: Minimum $500 | Maximum $30,000

Manage your card, pay your bill, check your statement:

FGB Credit Card Login  

Summary of Terms

 

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases, Balance Transfers and Cash Advances$

FGB Visa® Business Card

19.49%

This APR will vary with the market based on the Wall Street Journal (WSJ) 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 if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the posting date.

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about the factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau

Fees

Set-up and Maintenance Fees

•     Annual Fee

 

 $40

Transaction Fees

•        Cash Advance

 

•        Foreign Transaction

 

4% of the amount of each transaction

 

1% of each transaction in U. S. dollars

Penalty Fees

•     Late Payment

•     Returned Payment

 

$8

$25

 

Rewards

 

ScoreCard® Bonus Points

 

 

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

 

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

 

 

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.)

 

 

How we will Calculate Your Balance: We use a method called “average daily balance (including new purchases)’’. See your Credit Card 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 on your monthly statement.

Information contained in this First Guaranty Bank Disclosure is accurate as of 11/1/2024 and is subject to change thereafter. To obtain more recent information, please call us at 1 (888) 375-3093.

How We Will Calculate Your Variable APRs: We calculate variable APRs by adding a margin to the U.S. Prime Rate published in the Wall Street Journal on the 25th day of each month. If the Journal is not published on that day, then we will use the immediately preceding edition. If the Prime Rate changes, your new rate will take effect on your next billing cycle. The APR may increase or decrease each month if the Prime Rate changes. If the APR increases, you will pay a higher interest charge and may pay a higher minimum payment. The Prime Rate is simply a reference index. 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 8.00% Prime Rate as of September 19, 2024.

Purchase APR: For Purchase transactions, we add a Margin of 11.49% 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 24.00%.

Cash APR: For cash transactions, we add a Margin of 11.49% 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 24.00%.

 

 

 

 

Connect With Us

Links from the First Guaranty Bank web site to other web sites are provided solely as a convenience to visitors. If you use these links, you will leave the First Guaranty Bank web site.

The First Guaranty Bank does not have any responsibility or control over any of these external web sites, their content or their privacy policies. We do not endorse or make any representations about third-party external web sites, including any information, products, materials or results that may be obtained from using them.

If you decide to access any of the linked third-party web sites, you do so entirely at your own risk. You are encouraged to review the privacy notice for each linked web site.