Southern Bank Visa® Platinum Credit Card
- Annual fee
- 0
- Recommended credit
- Good / Fair
- Card network
- Visa
- Regular purchase APR
- 15.99% to 26.99% variable based on creditworthiness and the Prime Rate
At a glance
The Southern Bank Visa® Platinum Credit Card is offers cardholders some attractive features on top of the many benefits that are included in most Visa credit cards. Cardholders can take advantage of no annual fee and 0% APR on balance transfers within the first 12 months. Additionally, cardholders have the option of enrolling in the BankMiles® program for added rewards and can qualify for cell phone protection when they pay their monthly cellular phone bills with their Southern Bank Visa® cards.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- No annual fee
- Option to enroll in BankMiles® Rewards program
- Use your Southern Bank Visa® to pay your cell phone bill and get reimbursed if your phone gets damaged or stole
Who this card may suit
- You prefer doing business with smaller local banks
- You don’t want to pay an annual fee for using a credit card
- You want to transfer a balance from another credit card without interest
- You like the flexibility of joining an optional rewards program
Rates, fees and terms
| Annual Fee | 0 |
|---|---|
| Regular Purchase APR | 15.99% to 26.99% variable based on creditworthiness and the Prime Rate |
| Intro Balance Transfer APR | 0% for 12 months on transfers made within 90 days from account opening date |
| Balance Transfer APR | 15.99% to 26.99% variable based on creditworthiness and the Prime Rate |
| Balance Transfer Transaction Fee | Either $5 or 3% of the amount of each transfer, whichever is greater |
| Cash Advance APR | 26.99% to 29.99% variable based on creditworthiness and the Prime Rate |
| Cash Advance Transaction Fee | Either $5 or 3% of the amount of each transfer, whichever is greater |
| Foreign Transaction Fee | 2% of the transaction amount in U.S. dollars |
| Late Payment Penalty Fee | $25 |
| Return Payment Penalty Fee | $25 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Good Credit Fair Credit.
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