BancorpSouth Platinum Visa Credit Card
- Minimum Credit Required:
Excellent - Annual Fee:None
- Network: VISA
| Intro Rate Not Offered |
Intro Period N/A |
Regular Rate 10.9% - 16.9% |
| Intro RateNot Offered | Intro PeriodN/A | Regular Rate16.9% - 21% | Balance Transfer Fee 3% (max $60) |
| Cash Advance Rate 16.9% - 21% |
Cash Advance Fee 3% (min $10) |
- Optional BancorpSouth Rewards Program: earn a point for each net dollar charged on your credit card.
- Low rate balance transfers.
- No annual fee.
- Warranty registration service.
- Credit limit of $5,000 or above.
- Customer-selected PIN (Personal Identification Number) for ATM access to cash.
- Max Late Fee: $35
- Max Overlimit Fee: None
- Max Penalty APR: 21%
- Grace Period: 25 days
- Online Response: No
- Foreign Transaction Fee: 2%
If you currently have the BancorpSouth Platinum Visa Credit Card and are satisfied or you like the terms of this credit card offer please let your friends know.
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The card information shown on this page was last updated: April 5th, 2012 at 5:51 EDT
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I’ll tell ya what, this warm weather we’re having on the East Coast is really making it feel like we’re in the South and I like it. But whether or not I’ll like the Bancorp South Platinum Credit Card remains to be seen, and hopefully the same can be said for you. Regardless of whether you’ve got a relationship with Bancorp South you need to fully investigate what any credit card offers as well as how these terms stack up against the competition before you apply for it. With that being said, let’s take a look at what the Bancorp South Platinum Card has to offer, starting with rewards…wait, the Bancorp South Platinum Credit Card doesn’t have any rewards. That takes my interest in the card, well, south, but let’s carry on anyway. As far as rates go, the Bancorp South Platinum Visa doesn’t take you that far. There are no low introductory interest rates on purchases or transfers, just rather high regular rates. Did it just get cold in here? Nope, but the Bancorp South Platinum Credit Card sure isn’t hot, especiallu considering that you need excellent credit to qualify for it. In other words, Bancorp South is asking a lot from its applicants without giving back much in return, so you need to look for alternatives. If rewards are what you’re after, you can’t go wrong with the Chase Sapphire Preferred Card, the Capital One Venture Card or the Blue Cash Everyday Card from American Express. The Sapphire Card offers an initial bonus worth $625 in travel or $500 cash; the Venture Card gives its rewards in miles but is basically a 2% cash back card as long as you redeem them for travel-related purchase, and the Blue Cash from Amex offers 3% cash back at supermarkets, 2% at gas stations and grocery stores, and 1% everywhere else. If you want low interest rates, the best card currently on the market is the No Balance Transfer Fee Slate Card from Chase, which offers 0% on purchases and transfers for 15 months and obviously does not have a balance transfer fee.