Terms and conditions for all credit card products ›
All Hancock Whitney Visa® Cards are issued by Hancock Whitney Bank.
1Purchases must be eligible to earn reward points based on the Points Plus Rewards Program Rules & Conditions which is defined as any signature-based transaction using your credit card account, net of any returns, credits or adjustments. Purchases that are initiated fraudulently or with a lost, stolen, counterfeit or canceled card, gaming-related purchases, cash access transactions (such as, but not limited to, Cash Advances, the purchase of traveler’s checks, money orders or cashier’s checks), cash access transactions designated as Purchases and account fees or finance charges, if any, are not eligible purchases. In addition, PIN-based transactions made using your credit card account are not eligible purchases. Other restrictions may apply.
For information about rewards points, cash back or other rewards, including any limitations and restrictions visit www.hancockwhitney.com/pointsplus. You may also contact one of our dedicated Call Center agents: Hancock Whitney Clients 1-888-331-1057.
220,000 bonus points can be earned when you spend $1,000 on eligible purchases using your Hancock Whitney Bank Visa Platinum Credit Card within 90 days after your credit card account is opened. 20,000 bonus points would be awarded the month after the $1,000 eligible purchase threshold is met. The 20,000 bonus points award is in addition to base points earned on eligible purchases. Base points are calculated at 1.5 points for every $1.00 spent in eligible purchases. Credits and returns will reduce the base points and the equal amount of spend towards the spend threshold for bonus points. All of the Points Plus Rewards Program Rules & Conditions continue to apply during this 20,000 Bonus Rewards Points Promotional Period, and your account must be open and current, and you must be eligible to earn points based on the Points Plus Rewards Program Rules & Conditions.
For details on eligible purchases to earn rewards points and details on the rewards points program in general, including the cash back reward and any limitations or restrictions, visit www.hancockwhitney.com/pointsplus. You may also contact one of our dedicated Call Center agents: Hancock Whitney Clients 1-888-331-1057.
3Introductory and Regular Annual Percentage Rates: For the first 12 complete billing cycles after your account is opened, the Annual Percentage Rate (APR) for Purchases and Balance Transfers made under your account will be 0%. In order to receive the 0% introductory rate for 12 billing cycles on Balance Transfers, Balance Transfers must be posted within the first 60 days of account opening. Any Balance Transfers posted after the first 60 days will not receive the introductory rate. Beginning on the first day of the 13th complete billing cycle after your account is opened for Purchases and Balance transfers, you'll have a variable APR, currently 18.24% - 28.24%, based on your creditworthiness when you open the account. These APRs will vary with the market based on the Prime Rate (the Index) plus a margin. The Index is The Wall Street Journal U.S. Prime Rate, as designated in the “Money Rates” section of The Wall Street Journal. The current APR for Purchases and Balance Transfers for the Platinum Card is 18.24% to 28.24%, effective as of 12/23/2024. The APR for Cash Advances is variable and is based on an Index, plus a margin. The Index is The Wall Street Journal U.S. Prime Rate, as designated in the “Money Rates” section of The Wall Street Journal. As of 12/23/2024, the current APR for Cash Advances for the Platinum Card is Prime + 21.74%, currently 29.24%. This APR will vary with the market based on the Prime Rate. Any change in the Index will result in a change in the APRs for Purchases, Balance Transfers and Cash Advances. Also, there is no time period within which you may pay to avoid the assessment of interest on Balance Transfers or Cash Advances because interest will accrue on any Balance Transfer from the date of posting and on any Cash Advance from the date of the transaction. Additionally, a Balance Transfer fee of 4% of the amount of each balance transfer with a minimum of $10, and a Cash Advance fee of 5% of the amount of each cash advance, with a minimum of $10 will apply.
4A complete description of these benefits, including any limitations and applicable third party fees, will be provided at the time the card is issued.
5Visa® Zero Liability Policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa or certain commercial card transactions. You must notify your card issuer promptly of any unauthorized use. Consult your issuer for additional details or visit www.visa.com/security.
Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay is a trademark of Apple Inc. Google Pay and Chrome are trademarks of Google Inc. Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.
Equal Housing Lender. All loans and accounts subject to credit approval. Terms and conditions apply.