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BancorpSouth Platinum Visa Credit Card

BancorpSouth Platinum Visa Credit Card


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Over the Past 60 Days!

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  • Credit Needed Excellent
  • APR 10.9%-16.9% (V)
  • Intro APR 0% for the first 6 months
  • Balance Transfer APR 16.9%-21% (V)
  • Cash Advance APR 16.9%-21% (V)
  • Penalty APR 21%
  • Annual Fee None
  • Late Payment Fee Up to $35
  • Cash Advance Fee 3% of each advance ($10 minimum)
  • Returned Payment Fee Up to $35
  • Balance Transfer Fee 3% of each balance transfer ($10 minimum)
  • Foreign Exchange Fee 2% of transaction amount
  • Minimum Interest Charge No less than $.50


  • Click "APPLY NOW" to apply online
  • No annual fee
  • $5,000 minimum credit limit
  • Optional rewards program
  • Earn 1 point for every $1 spent
  • Redeem reward points towards gift cards, air travel, car rentals, cruises and vacations

Expert Reviews

From the Editorial Team

The BancorpSouth Visa Platinum credit card lets you earn rewards points that you can be redeemed for gift cards, air travel, car rentals, cruises, and even vacations. The card also comes with an introductory 0% APR for the first 6 months and then a 10.9%-16.9% variable APR.

Expert Reviews of the BancorpSouth Platinum Visa Credit Card

  • 3.0

    Regular APR

  • 5.0

    Intro APR

  • 3.0


  • 3.0


  • star rating 3.5/5

    Overall Rating

The Bottom Line

Earn 1 point for every $1 spent, and redeem points in a variety of categories, such as air travel, cruises, and gift cards. The card touts a lower APR than comparable cards and differs from the Visa Gold card only in that if offers a higher minimum credit limit at $5,000.  

The Good

You earn 1 points per dollar spent on all purchases. You can redeem points for airline tickets valued anywhere from $350 to $5,000 or use points to take up to a 7 nights cruise. There is no annual fee, 0% introductory APR, a $5,000 minimum credit limit, and you enjoy Visa card features. Those include, for instance, extended warranties, travel assistance, and 24-hour coverage for damage due to collision or theft.

The Not So Good

The penalty APR is 21%. There is also a surcharge of $10 or 3% of the amount of each balance transfer or cash advance, whichever is greater.

Disclaimer: This content is not provided by the card issuer. Any opinions, analyses, reviews or recommendations on this page have not been reviewed, approved or otherwise endorsed by the card issuer. Terms, offers, conditions and rates were correct at the time of writing but may have changed since and not been updated on this page. For up-to-date terms, offers, rates and conditions, please see the issuer’s site.

Consumer Reviews

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