Renasant Bank Visa Platinum Real Rewards Card

Renasant Bank Visa Platinum Real Rewards Card Review

This is a cashback card issued by Renasant Bank. If you're wondering whether Renasant Bank Visa Platinum Real Rewards Card is the right card for you, read on.

Key Takeaways

• 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 6 months , which is shorter than the average 0% APR period of 12 months.
• 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 6 months.
• Signup bonus. Offers a signup bonus of 2500 points that can be redeemed for travel, gifts, or other perks.
• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 18.99% up to 28.99%.
• 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.
• Multiple credit card benefits. Includes generous credit card perks, such as emergency support, extended warranty protection on purchases, identity theft protection, travel assistance, and fraud protection.
• Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of Renasant Bank Visa Platinum Real Rewards Card

The Good

The Bad

0% APR balance transfer intro rate on balance transfers for up to 6 months. No balance transfer fee. 0% APR on new purchases during the first 6 months. There is then a variable purchase APR that ranges from 18.99% up to 28.99%. No annual fee. Multiple credit card perks. Extended warranty on purchases. Identity Theft Protection. Travel assistance insurance Cardholders can earn rewards on purchases everywhere Renasant Bank Visa Platinum Real Rewards Card is accepted. Renasant Bank Visa Platinum Real Rewards Card reports to multiple credit bureaus.

Higher than average purchase APRs.

Renasant Bank Visa Platinum Real Rewards Card FAQ

Does Renasant Bank Visa Platinum Real Rewards 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.

Renasant Bank Visa Platinum Real Rewards Card Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)	N/A
Signup Bonus (Points/Miles)	2500

What are the Renasant Bank Visa Platinum Real Rewards Card benefits?

It provides the following benefits:

• Emergency Support
• Extended Warranty Protection
• Zero fraud liability
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for Renasant Bank Visa Platinum Real Rewards Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

Renasant Bank Visa Platinum Real Rewards Card has a variable purchase APR that ranges from 18.99% up to 28.99%. The card has a variable balance transfer APR that ranges from 18.99% up to 28.99%. It also has a variable cash advance APR of 30.49% .

What are the fees for Renasant Bank Visa Platinum Real Rewards Card?

The following fees apply:

Renasant Bank Visa Platinum Real Rewards Card Fees

Fees	Amount
Annual Fee	$0
Returned Payment Fee	up to $41
Late Payment Fee	up to $41

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

Does Renasant Bank Visa Platinum Real Rewards Card report your account activity to credit bureaus?

Yes, Renasant Bank Visa Platinum Real Rewards 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 Renasant Bank Visa Platinum Real Rewards Card

• Visit the Renasant Bank Visa Platinum Real Rewards 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.