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.

• 0% balance transfer intro rate. Offers an introductory APR rate on balance transfers of 1.90% for up to 12 months, which is the average period for 0% APR balance transfer cards.
• Competitive APRs. Hancock Whitney Preferred Visa® Platinum Credit Card has a variable purchase APR of up to 7.50%.

The Good	The Bad
Lower than average purchase APRs. No annual fee. Has an introductory APR rate on balance transfers of 1.90%.	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. 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% .

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

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
Balance Transfer Fee	3%
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.