All Hancock Whitney Visa® Cards are issued by Hancock Whitney Bank. 

Preferred Visa® Platinum1 
Annual Percentage Rate 
(APR) for Purchases 

APR for Balance 
Transfers 

APR for Cash Advances 

Penalty APR and When It 
Applies 

Paying Interest 

0.00% introductory APR for 7 billing cycles following the opening of your account.
After that, your APR will be 6.50%.
This APR will vary with the market based on the Prime Rate. 
0.00% introductory APR for 7 billing cycles following the opening of your 
account. After that, your APR will be 6.50%. 
This APR will vary with the market based on the Prime Rate. 
25.24% 
This APR will vary with the market based on the Prime Rate. 
None 

Your due date is at least 25 days after the close of each billing cycle. We will not charge 
you any interest on purchases if you pay the entire balance by the due date each 
month. We will begin charging interest on cash advances on the transaction date. We 
will begin charging interest on balance transfers on the posting date. 

Minimum Interest Charge  None 

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 
consumerfinance.gov/learnmore 

Annual Fee 

None 

Transaction Fees 
• Balance Transfer
• Cash Advance

Penalty Fees 
• Late Payment
• Returned Payment

3% of the amount of each transfer.  
5% of the amount of each cash advance. 

Up to $25 
Up to $25 

1One credit eligibility factor for the Preferred Visa® Platinum is that you must have $250,000 in recurring annual 
household income (gross income on applicant’s individual tax return or applicant’s joint tax return if residing in a 
community property state, Texas or Louisiana) or $1,000,000 in investable assets, excluding company‐sponsored 
retirement accounts. 

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)”. Refer 
to the corresponding account agreement for more details. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in 
your account agreement. 

Cash Advances: We may make only part of your Credit Limit available for cash advances (known as Cash Credit Limit on 
your monthly billing statement). The Credit Limit and Cash Credit Limit are shown on your monthly billing statement. Daily 
and ATM cash limits may also apply. 

MILITARY LENDING ACT – ADDITIONAL DISCLOSURES FOR ACTIVE DUTY SERVICE MEMBERS AND DEPENDENTS: 

The following additional disclosures apply to the Credit Card Account Agreement and your Account if one or more 
Cardmembers is a “covered borrower”, as that term is defined in the Military Lending Act, 10 U.S.C. 987, and related 
regulations of the U.S. Dept. of Defense. Please read the following additional disclosures.  

Military Annual Percentage Rate: 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 accounts); and any participation fee charged (other than certain participation fees for a 
credit card account).  

Payment Obligation: Generally, your minimum monthly payment under your account shall be the greater of (i) $10.00 or 
(ii) 2% of the New Balance on your billing statement or (iii) the total of any interest charge and all outstanding charges and
fees. If the New Balance is less than $10.00, your minimum payment due will be the amount of the New Balance. Please
refer to your Credit Card Account Agreement for more detailed information. Please call (800) 448-8812 to receive an oral
Statement of the Military Annual Percentage Rate and a description of your payment obligation.

Hancock Whitney Bank, Member FDIC, Equal Housing Lender. Normal credit criteria apply. 

 REV 03/21/22 

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial 
institutions to obtain, verify and record information that identifies each person who opens an account. What this means 
for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow 
us to identify you. We may also ask to see your driver’s license or other identifying documents.  

Hancock Whitney Bank, Member FDIC, Equal Housing Lender. Normal credit criteria apply. 

          REV 03/21/22