Visa® Platinum from Southern Bank Review
Visa® Platinum from Southern Bank — all information about the credit card.
Updated July 01, 2022
Apply now
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
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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
Pros & Cons
Pros:
- No Annual Fee
- Intro APR period on balance transfers
Cons:
- Foreign Transaction Fee
Features
- Low interest
- No Annual Fee
- Fraud Protection
- Auto Rental Insurance
- 24/7 Travel Assistant
- Fair Credit
- Good Credit
About the issuer
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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Travel, Daily use
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Recommended credit score
Good to Excellent (670-799)
- $95Annual Fee
- 19.99% - 29.99%Regular APR
- 5xMiles on hotels, vacation rentals, and rental cars booked through Capital One Travel.
- NonePurchase Intro APR
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Recommended credit score
Good to Excellent (670-799)
- NoneAnnual Fee
- 14.99% - 29.99%Regular APR
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- N/A%Purchase Intro APR
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Recommended credit score
Excellent (740-799)
- NoneAnnual Fee
- 19.99% - 29.99%Regular APR
- 5%Cash Back on hotels and rental cars booked through Capital One Travel.
- 0% Introductory APR for the first 15 months that your account is openPurchase 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.
Best for Fair credit
Capital One QuicksilverOne Cash Rewards Credit Card
Recommended credit score
Fair to Good (580-739)
- $39Annual Fee
- 29.99%Regular APR
- 1.5%Cash Back on every purchase.
- NonePurchase Intro APR
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