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Fulton Bank

Product terms with exact source passages
TermValueSource
APR for purchases—
APR for balance transfers—
APR for cash advances—
Penalty APRafter a late or returned payment—
Paying interestgrace period on new purchasesNot disclosed
Annual feeNot disclosedFulton Bank, National Association · Page Capture Oct 3, 2026 · Captured Oct 3, 2026Website
Transaction fees
Cash advance—
Balance transfer—
Foreign transaction—
Penalty fees
Late payment—
Returned payment—
Cash back · Dining, office supplies and cell phone services3% cash back. Allow 1–2 statement billing cycles for payment. You will earn 3% cash back per dollar spent on eligible Net Purchases at dining, including takeout and restaurant delivery, gas and electric vehicle charging stations (excluding wholesale clubs and discount stores/supercenters such as Target and Walmart), office supply stores and cell phone service providers. All other eligible Net Purchases may earn 1% cash back. Prepaid car and hotel reservations purchased in the Rewards Center are not classified as travel category merchant transactions and are not eligible to receive additional cash back for that category. Purchases of gasoline or electric vehicle charging greater than $200 will not be deemed to be a purchase of automotive fuel and as such will earn a base reward of 1%. Please allow 1-2 statement billing cycles for your cash back reward to appear on your credit card statement. Cash rewards can be redeemed as a deposit to a checking or savings account with this Financial Institution only, which will be deposited within 7 business days, or as a statement credit to your credit card account within 1-2 statement billing cycles, or as a Rewards Card. Fulton Bank, National Association · Page Capture Oct 3, 2026 · Captured Oct 3, 2026Website
Cashback qualificationsCash back · Dining, office supplies and cell phone services You will earn 3% cash back per dollar spent on eligible Net Purchases at dining, including takeout and restaurant delivery, gas and electric vehicle charging stations (excluding wholesale clubs and discount stores/supercenters such as Target and Walmart), office supply stores and cell phone service providers. All other eligible Net Purchases may earn 1% cash back. Prepaid car and hotel reservations purchased in the Rewards Center are not classified as travel category merchant transactions and are not eligible to receive additional cash back for that category. Purchases of gasoline or electric vehicle charging greater than $200 will not be deemed to be a purchase of automotive fuel and as such will earn a base reward of 1%. Please allow 1-2 statement billing cycles for your cash back reward to appear on your credit card statement. Cash rewards can be redeemed as a deposit to a checking or savings account with this Financial Institution only, which will be deposited within 7 business days, or as a statement credit to your credit card account within 1-2 statement billing cycles, or as a Rewards Card. Fulton Bank, National Association · Page Capture Oct 3, 2026 · Captured Oct 3, 2026Website
Cash back · Gas and EV purchases of $200 or less3% cash back. Allow 1–2 statement billing cycles for payment. You will earn 3% cash back per dollar spent on eligible Net Purchases at dining, including takeout and restaurant delivery, gas and electric vehicle charging stations (excluding wholesale clubs and discount stores/supercenters such as Target and Walmart), office supply stores and cell phone service providers. All other eligible Net Purchases may earn 1% cash back. Prepaid car and hotel reservations purchased in the Rewards Center are not classified as travel category merchant transactions and are not eligible to receive additional cash back for that category. Purchases of gasoline or electric vehicle charging greater than $200 will not be deemed to be a purchase of automotive fuel and as such will earn a base reward of 1%. Please allow 1-2 statement billing cycles for your cash back reward to appear on your credit card statement. Cash rewards can be redeemed as a deposit to a checking or savings account with this Financial Institution only, which will be deposited within 7 business days, or as a statement credit to your credit card account within 1-2 statement billing cycles, or as a Rewards Card. Fulton Bank, National Association · Page Capture Oct 3, 2026 · Captured Oct 3, 2026Website
Cashback qualificationsCash back · Gas and EV purchases of $200 or less You will earn 3% cash back per dollar spent on eligible Net Purchases at dining, including takeout and restaurant delivery, gas and electric vehicle charging stations (excluding wholesale clubs and discount stores/supercenters such as Target and Walmart), office supply stores and cell phone service providers. All other eligible Net Purchases may earn 1% cash back. Prepaid car and hotel reservations purchased in the Rewards Center are not classified as travel category merchant transactions and are not eligible to receive additional cash back for that category. Purchases of gasoline or electric vehicle charging greater than $200 will not be deemed to be a purchase of automotive fuel and as such will earn a base reward of 1%. Please allow 1-2 statement billing cycles for your cash back reward to appear on your credit card statement. Cash rewards can be redeemed as a deposit to a checking or savings account with this Financial Institution only, which will be deposited within 7 business days, or as a statement credit to your credit card account within 1-2 statement billing cycles, or as a Rewards Card. Fulton Bank, National Association · Page Capture Oct 3, 2026 · Captured Oct 3, 2026Website
Cash back · Other purchases1% cash back. Allow 1–2 statement billing cycles for payment. You will earn 3% cash back per dollar spent on eligible Net Purchases at dining, including takeout and restaurant delivery, gas and electric vehicle charging stations (excluding wholesale clubs and discount stores/supercenters such as Target and Walmart), office supply stores and cell phone service providers. All other eligible Net Purchases may earn 1% cash back. Prepaid car and hotel reservations purchased in the Rewards Center are not classified as travel category merchant transactions and are not eligible to receive additional cash back for that category. Purchases of gasoline or electric vehicle charging greater than $200 will not be deemed to be a purchase of automotive fuel and as such will earn a base reward of 1%. Please allow 1-2 statement billing cycles for your cash back reward to appear on your credit card statement. Cash rewards can be redeemed as a deposit to a checking or savings account with this Financial Institution only, which will be deposited within 7 business days, or as a statement credit to your credit card account within 1-2 statement billing cycles, or as a Rewards Card. Fulton Bank, National Association · Page Capture Oct 3, 2026 · Captured Oct 3, 2026Website
Cashback qualificationsCash back · Other purchases You will earn 3% cash back per dollar spent on eligible Net Purchases at dining, including takeout and restaurant delivery, gas and electric vehicle charging stations (excluding wholesale clubs and discount stores/supercenters such as Target and Walmart), office supply stores and cell phone service providers. All other eligible Net Purchases may earn 1% cash back. Prepaid car and hotel reservations purchased in the Rewards Center are not classified as travel category merchant transactions and are not eligible to receive additional cash back for that category. Purchases of gasoline or electric vehicle charging greater than $200 will not be deemed to be a purchase of automotive fuel and as such will earn a base reward of 1%. Please allow 1-2 statement billing cycles for your cash back reward to appear on your credit card statement. Cash rewards can be redeemed as a deposit to a checking or savings account with this Financial Institution only, which will be deposited within 7 business days, or as a statement credit to your credit card account within 1-2 statement billing cycles, or as a Rewards Card. Fulton Bank, National Association · Page Capture Oct 3, 2026 · Captured Oct 3, 2026Website
Cash signup bonus$25 cash award. Payment timing is not disclosed. . Receive a $100 annual statement credit after 11 consecutive monthly software transactions, plus get $25 cash back after your first purchaseFulton Bank, National Association · Page Capture Oct 3, 2026 · Captured Oct 3, 2026Website
Recurring statement credit · software service credit$100 statement credit. Per 12-month period. See source conditions for the period's start date. Allow 1–2 statement billing cycles for payment. An automatic statement credit of $100 per 12-month period will be applied to your Account within 1-2 statement billing cycles following 11 consecutive months of eligible software service purchases made directly with a software service provider. Eligible software service providers are identified by their Merchant Category Code (MCC) and purchases made at discount/retail stores or online retailers may not qualify. We do not determine the category codes applied to merchants’ businesses and reserve the right to determine which purchases qualify for this credit. Fulton Bank, National Association · Page Capture Oct 3, 2026 · Captured Oct 3, 2026Website