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  Hancock Whitney Preferred Visa® Platinum Credit Card

Hancock Whitney Preferred Visa® Platinum Credit Card

in Personal Credit Cards from Hancock Whitney Bank

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Hancock Whitney Preferred Visa® Platinum Credit Card

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in Personal Credit Cards from Hancock Whitney Bank

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Highlights
Highlights
Balance Transfer APR  (Variable APR) 7.50%
Credit Score Range N/A
Annual Fee $0
Purchase APR  (Variable APR) 7.50%

Hancock Whitney Preferred Visa® Platinum Credit Card Review

Hancock Whitney Preferred Visa® Platinum Credit Card is a credit card issued by Hancock Whitney Bank. If you're wondering whether Hancock Whitney Preferred Visa® Platinum Credit Card is the right card for you, read on. This is everything you need to know 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 7.50 months.
  • Competitive APRs. Hancock Whitney Preferred Visa® Platinum Credit Card has a variable purchase APR of 7.50%
  • 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. Hancock Whitney Preferred Visa® Platinum 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.

Hancock Whitney Preferred Visa® Platinum Credit Card Pros and Cons:

The Good The Bad
  • Lower than average purchase APRs.
  • Has an introductory APR rate on balance transfers of 1.90%.
  • 0% APR on new purchases during the first 7.50 months.
  • No annual fee.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
  • Does not report to credit bureaus.
  • Charges a 3% balance transfer fee.
  • Does not include many credit card rewards.

Is there a Hancock Whitney Preferred Visa® Platinum Credit Card cash back or rewards program?

No, Hancock Whitney Preferred Visa® Platinum Credit Card does not offer a rewards program.

What are the relevant APRs for Hancock Whitney Preferred Visa® Platinum 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. Hancock Whitney Preferred Visa® Platinum Credit Card has lower than average purchase APRs.

Hancock Whitney Preferred Visa® Platinum Credit Card has a variable purchase APR of 7.50%. The card has a variable balance transfer APR of 7.50% . It also has a variable cash advance APR of 18.00% .

Does Hancock Whitney Preferred Visa® Platinum Credit Card have an introductory APR offer on balance transfers?

Yes, Hancock Whitney Preferred Visa® Platinum Credit Card offers an introductory APR rate on balance transfers of 1.90% for a period of up to 12 months.

Hancock Whitney Preferred Visa® Platinum Credit Card Balance Transfers
Description
Balance Transfer APR 7.50%
Balance Transfer Introductory APR 1.90%
Balance Transfer Intro APR Period (months) 12
Balance Transfer Fee % 3%
Balance Transfer Fee Minimum N/A

Does Hancock Whitney Preferred Visa® Platinum Credit Card have an introductory APR offer on new purchases?

This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 7.50 months.

Hancock Whitney Preferred Visa® Platinum Credit Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period (months) 7.50

What are the fees for Hancock Whitney Preferred Visa® Platinum Credit Card?

The following fees apply to Hancock Whitney Preferred Visa® Platinum Credit Card:

Hancock Whitney Preferred Visa® Platinum Credit Card Fees
Fees Amount
Annual Fee $0
Returned Payment Fee $25
Late Payment Fee $15

How to apply for Hancock Whitney Preferred Visa® Platinum Credit Card

  • Visit the Hancock Whitney Preferred Visa® Platinum 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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...

Contact

Hours of Operation

  • Sunday Closed
  • Monday 7:00am - 7:00pm
  • Tuesday 7:00am - 7:00pm
  • Wednesday 7:00am - 7:00pm
  • Thursday 7:00am - 7:00pm
  • Friday 7:00am - 7:00pm
  • Saturday 8:00am - 2:00pm

Other Services by Hancock Whitney Bank

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Availability

  Available in 5 states
  • Alabama
  • Florida
  • Louisiana
  • Mississippi
  • Utah

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 7.50 months
No Annual Fee  
Annual Fee $0
Minimum Interest Charge $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee (%) 3%
Returned Payment Fee $25
Late Fee Amount $15
Customer Type Personal
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Cash Advance APR (Variable APR) 18.00%
Purchase APR (Variable APR) 7.50%
Balance Transfer Introductory APR (Variable APR) 1.90%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 7.50%
Balance Transfer Fee % 3%

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Reviews

Balance Transfer APR

Credit Score Range

Annual Fee

Purchase APR

Hancock Whitney Visa® Platinum Credit Card

Hancock Whitney Visa® Platinum Credit Card

Rating not yet determined

2 total votes
In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
Balance Transfer APR 15.24% - 17.99%
(Variable APR)
    5% 29% Variable APR
Credit Score Range N/A Credit Score Range
Annual Fee N/A Annual Fee
Purchase APR 15.24% - 17.99%
(Variable APR)
    0% 36% Variable APR