USES

Visa® Platinum from Southern Bank Review

Visa® Platinum from Southern Bank — all information about the credit card.

Updated July 01, 2022
Advertiser Disclosure Our Methodology
Southern Bank Visa® Platinum
Apply now
Our Rating:
3.12 out of 5
scorer
Recommended credit score
Fair to Good (580-739)
  • Rewards Rate:
    • This card doesn't offer cash back, miles or points.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $0
  • Purchase Intro APR:
    None
  • Regular APR:
    10.99% - 21.99% Variable
  • Balance Transfer APR:
    10.99% - 21.99% Variable
Show more

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All benefits

  • Travel
    • Travel and Emergency Assistance Services:
    • Travel and Emergency Assistance Services are made available to help You in case of an emergency while You are traveling away from home.
    • Auto Rental Collision Damage Waiver:
    • The Auto Rental Collision Damage Waiver (“Auto Rental CDW”) benefit offers insurance coverage for automobile rentals made with your Visa card.

Rate and fee information

  • Purchase Intro APR
    • None
  • Purchase APR
    • 10.99% - 21.99% Variable
  • Intro Balance Transfer APR
    • 0% Introductory APR for the first 12 billing cycles following account opening on any balance transferred within the first 90 days following account opening
  • Balance Transfers APR
    • 10.99% - 21.99% Variable
  • APR for Cash Advances
    • 21.99% - 24.99% Variable
  • How to Avoid Paying Interest
    • Your due date will be at least 21 days after your billing statement is mailed or delivered to you.

Fees

  • Annual Fee
    • $0
  • Fees for Balance Transfer
    • Either $5 or 3% of the amount of each transfer, whichever is greater
  • Fees for Cash Advances
    • Either $5 or 3% of the amount of each cash advance, whichever is greater
  • Return Payment
    • $25
  • Late Payment
    • $25 for any payment 10 days or more past due
View all Rates & Fees

Pros & Cons

Pros:
  • No Annual Fee
  • Intro APR period on balance transfers
Cons:
  • Foreign Transaction Fee

Features

Platinum
Visa
  • Low interest
  • No Annual Fee
  • Fraud Protection
  • Auto Rental Insurance
  • 24/7 Travel Assistant
  • Fair Credit
  • Good Credit

About the issuer

Southern Bank
Southern Bank has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

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    Purchase Intro APR
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Recommended credit score
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    Regular APR
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  • None
    Purchase Intro APR
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Southern Bank Visa® Platinum is an option for those, who need Platinum features. With an APR of 10.99% - 21.99% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Fair to Good (580-739) credit score. With Southern Bank Visa® Platinum you will get such features as Low interest, No Annual Fee, Fraud Protection, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

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