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  BancorpSouth Gold Mastercard®
BancorpSouth Gold Mastercard® Unaffiliated

BancorpSouth Gold Mastercard®

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Highlights
Purchase APR 10.9% - 16.9%
Balance Transfer APR 16.9% - 21%
Credit Score Range 600 - 850
Annual Fee $0

BancorpSouth Gold Mastercard® Review

This is a credit card issued by BancorpSouth. If you're wondering whether BancorpSouth Gold Mastercard® is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 6 months.
  • Competitive APRs. BancorpSouth Gold Mastercard® has a variable purchase APR that ranges from 10.9% up to 16.9%.
  • No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • 3% Balance transfer fee. BancorpSouth Gold Mastercard® charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $10.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 2% every time you make a transaction outside the U.S.
  • Fair or better credit required. You will have good approval odds if your credit score is above 600.
Pros & Cons of BancorpSouth Gold Mastercard®
The Good The Bad
  • Potentially lower than average purchase APRs.
  • 0% APR on new purchases during the first 6 months.
  • No annual fee.
  • Considers applicants with fair credit.
  • BancorpSouth Gold Mastercard® reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 2%.
  • You don't earn rewards on every purchase.
  • Charges a 3% balance transfer fee.
BancorpSouth Gold Mastercard® FAQ

Does BancorpSouth Gold Mastercard® have a cash back or rewards program?

No, it does not offer a rewards program.

What are the BancorpSouth Gold Mastercard® benefits?

It provides the following benefits:

  • Reports to major credit bureaus

What are the relevant APRs for BancorpSouth Gold Mastercard®?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.

BancorpSouth Gold Mastercard® has a variable purchase APR that ranges from 10.9% up to 16.9%. The card has a variable balance transfer APR that ranges from 16.9% up to 21%. It also has a variable cash advance APR that ranges from 16.9% up to 21%. Note that late payments are subject to an APR of 21% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does BancorpSouth Gold Mastercard® have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does BancorpSouth Gold Mastercard® have an intro APR offer on new purchases?

BancorpSouth Gold Mastercard® Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 6 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 6 months.

What are the fees for BancorpSouth Gold Mastercard®?

The following fees apply:

  • There is no overlimit fee
BancorpSouth Gold Mastercard® Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 2%
Returned Payment Fee up to $35
Late Payment Fee up to $35

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does BancorpSouth Gold Mastercard® have a foreign transaction fee?

BancorpSouth Gold Mastercard® charges a foreign transaction fee of 2%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $40. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

What is the support contact email for BancorpSouth Gold Mastercard®?

The support contact email for BancorpSouth Gold Mastercard® is n/a.

What is the BancorpSouth Gold Mastercard® login page?

You can access the BancorpSouth Gold Mastercard® login page here.

How do people rate the customer service and user experience of BancorpSouth Gold Mastercard®?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does BancorpSouth Gold Mastercard® report your account activity to credit bureaus?

Yes, BancorpSouth Gold Mastercard® reports your account activity to the following credit reporting agencies:

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for BancorpSouth Gold Mastercard®

  • Visit the BancorpSouth Gold Mastercard® website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

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About BancorpSouth Gold Mastercard®

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Availability

  Available in 1 state
Mississippi
Availabile in all of Mississippi

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period 6 months
No Annual Fee
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 3%
Minimum Cash Advance Fee ($) $10 - $60
Foreign Currency Transaction Fee 2%
Minimum Interest Charge $0.50
Returned Payment Fee Up to $35
Late Fee Amount Up to $35
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
  • Travel Assistance
Rewards Categories
  • Travel
  • Airfare
Cash Advance APR 16.9% - 21%
Balance Computation Average daily balance (including new purchases).
Credit Limit Starting at $500
Penalty APR 21%
Purchase APR 10.9% - 16.9%
Balance Transfer APR 16.9% - 21%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%
Card Type
  • Rewards
  • Low Interest
Card Network Mastercard

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