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The BancorpSouth Visa Classic credit card lets you earn rewards points that you can be redeemed for gift cards, air travel, car rentals, cruises, and vacations. The card also comes with an introductory 0% APR for the first 6 months and then a 10.9%-16.9% variable APR.
The Visa Classic card touts a lower APR than comparable cards, making this card is a good alternative for those concerned about carrying a balance. There is no annual fee and a basic rewards program.
Provided you have an excellent credit history, your interest rate could be as low as 10.9%. The rewards program lets you earn 1 points per dollar spent on all purchases. Points may be redeemed for a variety of options including airline tickets valued anywhere from $350 to $5,000 or up to a 7 nights cruise. There is no annual fee, 0% introductory APR, and you enjoy Visa card features, such as extended warranties, travel assistance, and 24-hour coverage for damage due to collision or theft.
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.