Southern Bank Credit Cards

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Southern Bank Visa® Platinum Credit Card

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BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Good / Fair

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0 Annual Fee

Southern Bank Visa® Platinum Credit Card

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• 15.99% to 26.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
• 15.99% to 26.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
• 26.99% to 29.99% variable based on creditworthiness and the Prime Rate Cash Advance APR

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.

• Best Benefits
• Rates & Fees
• Why Should You Apply?

• 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

• 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
• Annual Fee: 0
• Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
• Late Payment Penalty Fee: $25
• Return Payment Penalty Fee: $25

• 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

More Details

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About Southern Bank

Southern Bank is a regional bank with branches in North Carolina and Virginia. The bank has its headquarters in Mount Olive, NC and over 60 locations across the two states.

The history of Southern dates to 1901, and despite over a century passing, the financial institution’s mission stays the same. Southern aims to provide all its customers with the same small-town attention of yesteryear – but with the banking power of the 21^st century.

Today, Southern has assets of over $3 billion, making it one of the largest regional banks in the United States. The bank offers the full suite of services and products you’d expect from a bank, including personal and business loans, checking and savings accounts, HELOC loans, and credit cards.

Bank Branches

Southern currently operates over 60 branches throughout Virginia and North Carolina. These locations include three branches in Chesapeake, VA, two in Goldsboro, NC, two in Greensville, NC, and locations in Norfolk, VA, Murfreesboro, NC, and Raleigh, NC.

For a complete listing of branch locations, as well as contact information, please visit the bank’s official locations page.