Bank · FDIC insured
Southern Bank Credit Card Rates
Southern Bank credit card rates start at 15.49% APR. Rates checked October 22, 2026.
How Southern Bank’s credit card rates compare
Compared with banks and credit unions in North Carolina, where Southern Bank has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
Southern Bank
– –
No ongoing APR published
Lowest rate
Nucor Employee's Credit Union
8.75%APR
2nd-lowest rate
CS Credit Union
8.90%APR
Every rate
Current credit card rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Visa Platinum Credit Card
Normal credit approval applies.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.49%–26.49% | None | Purchase APR varies by individual; Prime Rate used to determine APR is Prime Rate published in The Wall Street Journal on the last business day of preceding calendar month (6.75% as of 12/31/2025). Optional BankMiles enrollment has $50 annual fee. |
Sources (1)
- southernbank.com/personal/credit-debit-cards · captured Oct 4, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.