Southern Bank Credit Cards

Southern Bank is a regional credit union headquartered in Mount Olive, North Carolina. It currently serves eastern North Carolina and Virginia. Southern Bank has been in business for over 100 years but has stayed true to its small-town roots, offering personalized service to each of its customers. Think more Main Street and less Wall Street. Browse card offers from Southern Bank below.

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Southern Bank Visa® Platinum Credit Card

Earn BankMiles® Rewards with No Annual Fee

Southern Bank Visa® Platinum Credit Card
  • Regular Purchase APR 12.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 12.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 23.49% to 26.49% variable based on creditworthiness and the Prime Rate
  • Annual Fee 0
  • Credit NeededBestCards.com uses a variation of FICO Score 8, 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.
    Good , Fair
  • Processing Network Visa
Visit Card Site Read Review Terms & Conditions
Date Reviewed: August 11, 2022
Best Benefits
  • 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 stolen
Rates & Fees
  • Regular Purchase APR: 12.49% to 23.49% 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: 12.49% to 23.49% 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: 23.49% to 26.49% 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
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Please Note: The details of the offer(s) shown above should not be taken as a guarantee that you will receive the discount/rewards/offer mentioned above. Any information about combined offers and/or rewards should be taken as an estimate only. You may be responsible for completing certain steps at the merchant’s checkout page. Please read the merchant’s full terms and conditions for 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 21st 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.

Bank lobby business hours are:

  • Monday – Thursday: 9 am to 5 pm
  • Friday: 9 am to 6 pm
  • Saturday and Sunday: Closed

Lobbies are closed for lunch – please call your local branch to check lunch schedule.

Bank drive-through windows open at 8:30 am on business days.

FAQs About Southern Bank

Here you will find answers to commonly asked questions about Southern Bank:

  • Southern Bancshares.
  • The routing number for Southern is 053102586.
  • Like other banks, customers with Southern can send and receive money via Zelle.

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BestCards is an independent, Florida-based credit card comparison platform. Many of the card offers that appear on this site are from companies from which BestCards receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). BestCards does not include all card companies or all card offers available in the marketplace.

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