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Last Updated: 07/28/2025

Magnolia State Bank Gold Credit Card

in Credit Cards from Magnolia State Bank

Last Updated: 07/28/2025

Created by:

created by author logoSuperMoney

Fact Checked by:

fact checked by author logoAndrew Latham
Magnolia State Bank logo
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Purchase APR (Variable APR)

N/A


Balance Transfer APR (Variable APR)

N/A


Credit Score Range

650 - 850

Annual Fee

$0

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Magnolia State Bank Gold Credit Card Review

This is a rewards card issued by Magnolia State Bank. If you're wondering whether Magnolia State Bank Gold Credit Card is the right card for you, read on.

Key Takeaways

  • 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 12 months, which is the average period for 0% APR balance transfer cards.
  • No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases , but you don't have to pay an annual fee for the privilege.
  • Fair or better credit required. You will have good approval odds if you have a fair credit score or better.

Pros & Cons of Magnolia State Bank Gold Credit Card

Magnolia State Bank Gold Credit Card FAQ

Does Magnolia State Bank Gold Credit Card have a cash back or rewards program?

Magnolia State Bank Gold Credit Card is a rewards card.

Does Magnolia State Bank Gold Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Magnolia State Bank Gold Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Magnolia State Bank Gold Credit Card benefits?

Magnolia State Bank Gold Credit Card provides the following benefits:
  • Zero fraud liability
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for Magnolia State Bank Gold Credit Card?

Magnolia State Bank Gold Credit Card does not offer balance transfers.

Does Magnolia State Bank Gold Credit Card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0% for a period of 12 months.

Does Magnolia State Bank Gold Credit Card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Magnolia State Bank Gold Credit Card?

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

What is the support contact email for Magnolia State Bank Gold Credit Card?

The support contact email for Magnolia State Bank Gold Credit Card is csr@bankmsb.com.

How do people rate the customer service and user experience of Magnolia State Bank Gold Credit Card?

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

Does Magnolia State Bank Gold Credit Card report your account activity to credit bureaus?

Yes, Magnolia State Bank Gold Credit Card reports to the following credit bureaus:
  • 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 build your credit.

Does Magnolia State Bank perform a hard credit pull?

Yes, Magnolia State Bank Gold Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.

How to apply for Magnolia State Bank Gold Credit Card

  • Visit the website of Magnolia State Bank Gold Credit Card.
  • 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

130 Oak Street
Eastman, GA 31023
Visit Site
Email Support

Hours of Operation

Sunday
Closed
Monday
9:00AM - 4:00PM
Tuesday
9:00AM - 4:00PM
Wednesday
9:00AM - 4:00PM
Thursday
9:00AM - 4:00PM
Friday
9:00AM - 6:00PM
Saturday
Closed

Other Services by Magnolia State Bank

Other Credit Cards from Magnolia State Bank

Magnolia State Bank logo
Rating not yet determined
Be the first to rate

Purchase APR

N/A

Balance Transfer APR

N/A

Credit Score Range

600 - 850

300

850

Annual Fee

N/A
Visit Site

Magnolia State Bank logo

Purchase APR

N/A

Balance Transfer APR

N/A

Credit Score Range

600 - 850

300

850

Annual Fee

$0

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SuperMoney Net Recommendation Score

This product has no reviews yet. Help others by sharing your thoughts.

0

-1000+100
No one recommends
Everyone recommends
The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

Magnolia State Bank Gold Credit Card Community Reviews

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