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Date Reviewed: December 09, 2019
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 Needed Fair , Good
- Processing Network N/A
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 billing cycles 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 for any payment 10 days or more past due
- Return Payment Penalty Fee: $25
- Over Limit Penalty Fee: 0
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