Southern Bank Credit Cards

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

By Hanna Volkava
Updated August 01, 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?

Choosing the right credit card from a specific credit card issuer is quite difficult. Considering Southern Bank, there are three steps that will help you.

First of all, you should figure out your credit score. It will be from "Poor” to “Excellent”, and the higher your credit is, the better Southern Bank credit card offers and terms are available to you.

Secondly, you need to understand why you want a Southern Bank credit card and determine key features your future credit card should have. If you search for a credit card to improve your credit score, look for the ones with long grace period and no annual fee. If your aim is to save money on interest, Southern Bank credit cards with the lowest interest and long intro offer are your best choice. In case you need a credit card that will provide you cash rewards, pay attention to the rewards program offered by Southern Bank.

As a third step, try tocompare the Southern Bank offers you think are the best for you, but looking at all the features. Overall, the perfect credit card meet the following characteristics: near-zero interest rate, long grace period, low fees, high credit limit, and numerous 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 has a wide range of credit cards with various features, yet it’s better to find the one that will be the best for you.

    Hanna VolkavaHanna Volkava

    Financial and product expert

    hv@myfin.us