Rewards Credit Card

FGB Rewards Credit Card

Building a successful financial plan takes the right resources. That’s why we work hard to provide you with quality financial services and products. Like our convenient, flexible FGB Visa® Rewards Credit Card. It is accepted at thousands of locations worldwide for just about any type of purchase you can dream up. So, whatever your plans, choose the credit card that gives you all the value and buying power you need.

Credit Limit: Minimum $500 | Maximum $10,000

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

FGB Rewards Credit Card Login

 

 

When you use the FGB Visa® Rewards Credit Card for purchases of goods or services, the following benefits are yours!

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.

ScoreCard Rewards
Earn points for every net retail purchase you make with our FGB Visa® Rewards 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.

*Insurance Products are not insured by the FDIC or any Federal Government Agency; Not a deposit of or guaranteed by the bank or any bank Affiliate.

Summary of Terms

Interest Rates and Interest Charges

 

Annual Percentage Rate (APR) for PurchasesFGB Visa® Rewards Credit Card 
16.49%, 19.49% or 23.49% 
Based on your credit worthiness. 
This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers

 

0.00%
Introductory APR for the first 12 statement cycles on any balance transfer. Multiple balance transfers are allowed within the first 12 statement cycles up to your credit limit.  


16.49%, 19.49% or 23.49% 
After the promotional period based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

 

2.00%

All accounts opened on or after January 1, 2024 will be charged a 2.00% balance transfer fee of the amount transferred on all balance transfers.

 

APR for Cash Advances

16.49%, 19.49% or 23.49% 
Based on your credit worthiness.

This APR will vary with the market based on the Prime Rate.

Penalty APR and When It AppliesNone
Paying Interest
Your due date is at least 25 days after close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date of each month. We will begin charging interest on cash advances and balance transfers on the transaction date.

 

Minimum Interest ChargeNone
For Credit Card Tips from the Consumer Financial Protection BureauTo 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

  • Balance Transfer
  • Cash Advance
  • Foreign fees

 

  • 2% on amount transferred
  • 4% of the amount of each transaction
  • 1% of each transaction in U.S. dollars

Penalty fees

  • Late Payment
  • Over the Credit Line
  • Returned Payment
  • $8
  • None
  • $28

Other Fees

  • Card Replacement
  • $5 for Regular Mail 
  • $25 for Express Delivery

 

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 in your Credit Card Agreement. Information contained above is accurate as of 11/01/2024 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, based on creditworthiness, we add a Margin of 8.49% - 15.49% 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%.

Balance Transfer APR: For Balance Transfer transactions, based on creditworthiness, we add a Margin of 8.49%-15.49% to the Prime Rate. The Balance Transfer 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, based on creditworthiness, we add a Margin of 8.49%-15.49% 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%.

Military Lending APR: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees
for specified credit transactions or account); and any participation fee charged (other than certain participation fees for a credit card account).

 

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