VISA® CARDS
WITH PEACE OF MIND.
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Visa® Platinum Credit Card
Purchases, Paybacks, and Protection
With the Southern Bank Visa Platinum Credit Card, you get competitive rates on purchases, an impressive range of valuable features and safety benefits, and the option to earn great rewards.
- Purchase APR1 of 15.74% to 26.74% (varies by individual)
- No annual fee
- Earn rewards with optional enrollment in BankMiles®2
- Cell phone protection3 when you pay your monthly cell phone bill with your eligible Southern Bank Visa Platinum Credit Card
- Instant cash advances at any ATM (PIN required)
- Set up recurring bills to be paid automatically each month using your Visa card4
- Travel and Emergency Assistance Services5
- Auto Rental Collision Damage Waiver6
- Replacement of lost or stolen cards and zero liability for promptly reported fraud
- Exclusive Visa discounts
1APR (Annual Percentage Rate) – The Prime Rate used to determine your APR is the Prime Rate as published in The Wall Street Journal on the last business day of the preceding calendar month. The current Prime Rate as of 09/30/2024 is 8.00% and may vary. The transaction fee for cash advances is $5 or 3% of the amount of the cash advance, whichever is greater. The transaction fee for foreign transactions is 2% of each transaction after conversion to U.S. dollars.
2Optional BankMiles membership requires an annual fee of $50, which will be charged to your Southern Bank credit card upon enrollment. At that time, 2,500 bonus points will be credited to your BankMiles account.
3Cellular Telephone Protection, Travel and Emergency Assistance Services and Auto Rental Collision Damage Waiver provided by Visa®. Certain terms, conditions and exclusions apply. Please refer to your Visa Guide To Benefit for further details.
4If using a credit card, you can avoid incurring finance charges on these monthly bills by paying the amount of the bill charged in full each month.
5Provided by Visa®. Certain terms, conditions and exclusions apply. Please refer to
your Visa Guide To Benefit for further details.
6Provided by Visa®. Certain terms, conditions and exclusions apply. Please refer to
your Visa Guide To Benefit for further details.
Visa® Platinum Credit Card BankMiles1
Use your Southern Bank Visa® Credit Card to earn points toward outstanding travel, shopping, dining, and merchandise rewards.
- Earn 1.5 points for every $1 spent on qualifying purchases.2
- Points don’t expire while membership is current.
- Earn rewards faster by pooling points with other BankMiles members.
- Redeem for travel, cash back, digital and gift card rewards, merchandise, and unique experiences. Browse rewards.
- Use points to get a full statement credit for recent purchases, including airline travel, with Pay Me BackSM.
- No cap on the number of earned points.
- The annual membership fee is $50.00 per enrolled account. This fee is subject to change at any time and will be billed annually to your Southern Bank Credit Card.
- Qualifying purchases are defined as gross retail purchases less any returns or credits.
