| NO BANK GUARANTEE |
NOT A DEPOSIT |
MAY LOSE VALUE |
NOT FDIC INSURED |
| NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY |
Hancock Whitney Bank credit cards are issued by Hancock Whitney Bank.
1The APR for the Business Points Plus Credit Card and the Business Credit Card varies based on an Index. The Index is The Wall Street Journal U.S. Prime Rate, as designated in the “Money Rates” section of The Wall Street Journal. The APR for the Business Points Plus Credit Card is U.S. Prime Rate + 10.25% and for the Business Credit Card is U.S. Prime Rate + 8.65%. As of 07/30/2025, the U.S. Prime Rate is 7.50%, the variable APR for the Business Points Plus Credit Card is 17.75%, and the variable APR for the Business Credit Card is 16.15%. This APR may change according to the current Prime Rate. There is no annual fee for the Business Credit Card or the Business Points Plus Credit Card.
2To earn rewards points, purchases must be eligible credit card transactions. Eligible credit card transactions include any signature-based transaction made using your credit card account, net of any returns, credits or adjustments. Purchases that are initiated fraudulently or with a lost, stolen, counterfeit or cancelled card, gaming-related purchases, cash access transactions (such as, but not limited to, cash advances, the purchase of travelers checks, money orders or cashier's checks), cash access transactions designated as purchases and account fees or finance charges, if any, are not eligible credit card transactions. In addition, PIN-based transactions made using your credit card account are not eligible credit card transactions. Other restrictions may apply.
3For details on cash back and other rewards, go to www.hancockwhitney.com/pointsplus.
4Discounts are provided in the form of credits posted to the cardholder's applicable Visa business credit card account. Please visit the Visa SavingsEdge website for complete details on the program, including terms and conditions.
5Visa’s Zero Liability Policy covers U.S.-issued cards and does not apply to ATM transactions, certain commercial card transactions, or any transactions not processed by Visa. You must notify Hancock Whitney Bank immediately of any unauthorized use. For specific restrictions, limitations, and other details, please visit www.visa.com/security.
6The Hancock Whitney Business Credit cardholder, spouse and dependent children are automatically insured against accidental loss of life, limb, sight, speech or hearing while riding as a passenger in, or when entering or exiting, any licensed common carrier, provided the entire cost of the passenger fares has been charged to your eligible Hancock Whitney Business Credit Card. We will reimburse the Insured Person up to the Daily Benefit Amount of $100 per day for 3 days in the event of a Baggage Delay. Our payment is limited to expenses incurred for the emergency purchase of essential items needed by the Insured Person while on a covered trip and at a destination other than the Insured Person's primary residence. A complete description of coverage and services including any restrictions, limitations or exclusions will be provided to you in the Worldwide Automatic Travel Accident & Baggage Delay Insurance disclosure delivered with your card.
7Within the first ninety (90) days of purchase, Visa Purchase Security will, at the Provider’s discretion, replace, repair, or reimburse you for your eligible items of personal property purchased entirely with your Visa Business Card up to a maximum of $10,000 per claim and $50,000 per cardholder in the event of theft or damage. Extended Protection doubles the time period of the original manufacturer’s written U.S. warranty up to one (1) full year on warranties of three (3) years or less, and up to a maximum of $10,000 per claim. A complete description of coverage and services including any restrictions, limitations or exclusions will be provided to you at the time your card is issued.
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