Last Updated: 07/28/2025
Hancock Whitney Visa® Platinum Credit Card
Unaffiliated
in Credit Cards from Hancock Whitney Bank
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
12.99% - 17.99%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
12.99% - 17.99%(Verified 06/21/2024)
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Credit Score Range
600 - 850
Annual Fee
$0
Hancock Whitney Visa® Platinum Credit Card Review
This is a cashback credit card issued by Hancock Whitney Bank. If you're wondering whether Hancock Whitney Visa® Platinum Credit Card is the right card for you, read on.
Key Takeaways
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 7 months.
- APRs: Hancock Whitney Visa® Platinum Credit Card has a variable regular purchase APR that ranges from 12.99% up to 17.99%.
- No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- A 3% balance transfer fee. Hancock Whitney Visa® Platinum Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Hancock Whitney Visa® Platinum Credit Card
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Hancock Whitney Visa® Platinum Credit Card FAQ
Does Hancock Whitney Visa® Platinum Credit Card have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description |
Does Hancock Whitney Visa® Platinum Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does Hancock Whitney Visa® Platinum Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Hancock Whitney Visa® Platinum Credit Card benefits?
Hancock Whitney Visa® Platinum Credit Card provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Hancock Whitney Visa® Platinum Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Hancock Whitney Visa® Platinum Credit Card has a variable purchase APR that ranges from 12.99% up to 17.99%. The card has a variable balance transfer APR that ranges from 12.99% up to 17.99%. It also has a variable cash advance APR of 24.99% .
The good news is this card does not charge a penalty APR if you are late on a payment.
Does Hancock Whitney Visa® Platinum Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 1.90% for a period of 12 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 12.99% - 17.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 1.90% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Hancock Whitney Visa® Platinum Credit Card have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 7 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 0% on qualified purchases for a period of 7 months.
What are the fees for Hancock Whitney Visa® Platinum Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0.0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
There is a late fee of up to $25 . What is the customer service phone number for Hancock Whitney Visa® Platinum Credit Card?
The customer service number for Hancock Whitney Visa® Platinum Credit Card is (800) 448-8812.
What is the support contact email for Hancock Whitney Visa® Platinum Credit Card?
The support contact email for Hancock Whitney Visa® Platinum Credit Card is contactservicecenter@hancockwhitney.com.
What is the login page for Hancock Whitney Visa® Platinum Credit Card?
You can access the login page of Hancock Whitney Visa® Platinum Credit Card here.
How do people rate the customer service and user experience of Hancock Whitney Visa® Platinum Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Hancock Whitney Visa® Platinum Credit Card report your account activity to credit bureaus?
Yes, Hancock Whitney Visa® Platinum 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 Hancock Whitney Bank perform a hard credit pull?
Yes, Hancock Whitney Visa® Platinum 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 Hancock Whitney Visa® Platinum Credit Card
- Visit the website of Hancock Whitney Visa® Platinum 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.
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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.
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