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BancorpSouth Visa Student Credit Card

BancorpSouth Visa Student Credit Card


Rated 2/5 stars by our editorial team

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  • Credit Needed Fair, Limited History
  • APR 16.9% (V)
  • Balance Transfer APR 21% (V)
  • Cash Advance APR 21%
  • Penalty APR 21%
  • Annual Fee None
  • Cash Advance Fee 3% of each advance ($10 min, $60 max)
  • Balance Transfer Fee 3% of each transfer ($10 min, $60 max)
  • Foreign Exchange Fee 2% of transaction amount in U.S. dollars


  • Click "APPLY NOW" to apply online
  • No annual fee
  • Online budgeting calculator
  • Automatic payment draft option
  • Optional overdraft protection through BancorpSouth checking account

Expert Reviews

From the Editorial Team

The BancorpSouth Visa Student credit card is geared toward college students with a limited credit history, who are looking to establish a strong credit history.  The card has no annual fee and no rewards program.  

Expert Reviews of the BancorpSouth Visa Student Credit Card

  • 3.0

    Regular APR

  • 0.0

    Intro APR

  • 3.0


  • 1.0


  • star rating 2.0/5

    Overall Rating

The Bottom Line

The card is a good way for those with fair or limited credit history to establish a financial record, but if you plan to carry a balance, the APR on this card can be quite high, especially when there are numerous comparable cards with lower interest rates and a rewards program.  

The Good

There is no annual fee and a 16.9% APR.  The penalty APR at 21% is high, but lower than many others which have rates around 28.99%

The Not So Good

Many credit cards targeted toward students offer lower interest rates, cashback rewards for getting good grades, and a rewards program.  This card offer none of these.

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.

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