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  BancorpSouth Visa® Student Credit Card

BancorpSouth Visa® Student Credit Card

in Personal Credit Cards from BancorpSouth

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BancorpSouth Visa® Student Credit Card

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in Personal Credit Cards from BancorpSouth

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Highlights
Purchase APR  (Variable APR) 16.9%
Balance Transfer APR  (Variable APR) 21%
Credit Score Range 350 - 600
Annual Fee $0

BancorpSouth Visa® Student Credit Card Review

BancorpSouth Visa® Student Credit Card is a credit card issued by BancorpSouth. If you're wondering whether BancorpSouth Visa® Student Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • Competitive APRs. BancorpSouth Visa® Student Credit Card has a variable purchase APR of 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 Visa® Student Credit Card charges a fee of up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $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.
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still qualify.
BancorpSouth Visa® Student Credit Card Pros & Cons
The Good The Bad
  • No annual fee.
  • Identity Theft Protection.
  • Considers applicants with fair or poor credit.
  • BancorpSouth Visa® Student Credit Card 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.
  • Does not include many credit card benefits.
BancorpSouth Visa® Student Credit Card FAQ

Is there a BancorpSouth Visa® Student Credit Card cash back or rewards program?

No, BancorpSouth Visa® Student Credit Card does not offer a rewards program.

What are the BancorpSouth Visa® Student Credit Card benefits?

BancorpSouth Visa® Student Credit Card provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for BancorpSouth Visa® Student Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance.

BancorpSouth Visa® Student Credit Card has a variable purchase APR of 16.9%. The card has a variable balance transfer APR of 21% . It also has a variable cash advance APR of 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 Visa® Student Credit Card have an introductory APR offer on balance transfers?

No, BancorpSouth Visa® Student Credit Card does not come with an introductory APR offer for balance transfers.

Does BancorpSouth Visa® Student Credit Card have an introductory APR offer on new purchases?

BancorpSouth Visa® Student Credit Card does not offer an introductory rate on new purchases.
BancorpSouth Visa® Student Credit Card Purchase Intro Offer
Description

What are the fees for BancorpSouth Visa® Student Credit Card?

The following fees apply to BancorpSouth Visa® Student Credit Card:

  • There is no overlimit fee
BancorpSouth Visa® Student Credit Card 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

Does BancorpSouth Visa® Student Credit Card have a foreign transaction fee?

BancorpSouth Visa® Student Credit Card 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 a foreign transaction fee.

Does BancorpSouth Visa® Student Credit Card report your account activity to credit bureaus?

Yes, BancorpSouth Visa® Student Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

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 Visa® Student Credit Card

  • Visit the BancorpSouth Visa® Student Credit Card 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.

Contact

  • Headquarters
  •   201 S Spring St
    Tupelo, MS 38804
  •   Visit Site

About BancorpSouth Visa® Student Credit Card

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Availability

  Available in 1 state
Mississippi
Availabile in all of Mississippi

Feature Breakdown

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
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 350 - 600
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
  • Identity Theft Protection
Rewards Type No Rewards
Cash Advance APR (Variable APR) 21%
Balance Computation Average daily balance (including new purchases).
Credit Limit Starting at $500
Penalty APR (Variable APR) 21%
Purchase APR (Variable APR) 16.9%
Balance Transfer APR (Variable APR) 21%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%
Card Type Student
Card Network Visa

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