Southern Bank Credit Cards

We found 1 Southern Bank credit cards. Read on to get more insights.

By Hanna Volkava
Updated October 01, 2026

Best Credit Cards in October 2026

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Southern Bank Visa® Platinum
Annual fee:
$0
Regular APR:
10.99% - 21.99% Variable
Our Rating:
3.12
scorer
Credit score
Fair to Good (580-739)
  • Balance Transfer APR:
    10.99% - 21.99% Variable
  • Issuer name:
    Southern Bank
  • Details:

    The Southern Bank Visa® Platinum Credit Card doesn't charge an annual fee.

    The Card has a 0% introductory APR period for 12 billing cycles on balance transfers made within 90 days of account opening. After that, the variable APR is 10.99% - 21.99%.

  • Pros:
    • No Annual Fee
    • Intro APR period on balance transfers
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • Option to enroll in BankMiles® Rewards program;
    • Cell phone protection;
    • Travel and Emergency Assistance Services;
    • Auto Rental Collision Damage Waiver;
    • Exclusive Visa® discounts.
Card detail

How to Choose the Right Southern Bank Credit Card?

Sometimes, choosing the best credit card from a specific credit card company is quite difficult. Considering Southern Bank, there are three steps that will help you.

First of all, you need to check your credit score. It varies from "Poor” to “Excellent”, and the higher your credit is, the better Southern Bank options of credit cards are available to you.

Secondly, you have to identify why you need a Southern Bank credit card and determine the most crucial aspects your future credit card should have. If you want a credit card to improve your credit score, look for those with extended grace period and no annual fee. If you want to avoid spending money on interest, Southern Bank credit cards with the lowest interest and long intro offer are your best choice. If you are looking for a credit card with cash rewards, pay attention to the rewards program the Southern Bank offers.

Finally, try tocompare the Southern Bank credit cards you find the best for you, but now weighing in all the aspects. In general, an ideal credit card meet the following characteristics: near-zero interest rate, long grace period, no fees, high credit limit, and big rewards and sign-up bonuses. You can easily compare Southern Bank credit cards in the table below.

Side-by-Side Comparison of Southern Bank Credit Cards

Card Name APR Annual fee Rewards Intro offer
Visa® Platinum 10.99% - 21.99% Variable $0
  • This card doesn't offer cash back, miles or points.
  • No current offer.
  • Conclusion

    Today, Southern Bank issues a range of credit cards with numerous options, yet it’s better to find the best one for you.

    Hanna VolkavaHanna Volkava

    Financial and product expert

    hv@myfin.us