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  Renasant Bank Visa Platinum Real Rewards Card

Renasant Bank Visa Platinum Real Rewards Card

in Personal Credit Cards from Renasant Bank

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Renasant Bank Visa Platinum Real Rewards Card

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in Personal Credit Cards from Renasant Bank

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Highlights
Purchase APR  (Variable APR) 14.49% - 23.49%
Balance Transfer APR  (Variable APR) 14.49% - 23.49%
Credit Score Range 650 - 850
Annual Fee $0

Renasant Bank Visa Platinum Real Rewards Card Review

This is a cashback credit 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. This review will provide you with with all the details you need to make a good choice.

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.
  • Competitive APRs. Renasant Bank Visa Platinum Real Rewards Card has a variable purchase APR that ranges from 14.49% up to 23.49%.
  • No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your 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 oods if your credit score is above650.
Pros & Cons of Renasant Bank Visa Platinum Real Rewards Card
The Good The Bad
  • Lower than average purchase APRs.
  • 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.
  • 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.
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 (Points/Miles) 2500

Does Renasant Bank Visa Platinum Real Rewards Card have a signup bonus?

This card doesn't offer a cash signup bonus. However, it does include a 2500 points signup bonus that can be redeemed for travel, gifts, or other perks.

Does Renasant Bank Visa Platinum Real Rewards Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

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. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 14.49% up to 23.49%. The card has a variable balance transfer APR that ranges from 14.49% up to 23.49%. It also has a variable cash advance APR of 25.99% .

Does Renasant Bank Visa Platinum Real Rewards 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 up to 6 months.

Renasant Bank Visa Platinum Real Rewards Card Balance Transfers
Description
Balance Transfer Fee % After Intro Period Starting at 3%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 6 months
Balance Transfer APR 14.49% - 23.49%
Balance Transfer Fee Minimum $5

Does Renasant Bank Visa Platinum Real Rewards Card have an intro APR offer on new purchases?

Renasant Bank Visa Platinum Real Rewards Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 6 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 6 months.

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 $40
Late Payment Fee up to $40

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

What is the customer service phone number for Renasant Bank Visa Platinum Real Rewards Card?

The Renasant Bank Visa Platinum Real Rewards Card customer service number is .

What is the support contact email for Renasant Bank Visa Platinum Real Rewards Card?

The support contact email for Renasant Bank Visa Platinum Real Rewards Card is info@renasantbank.com.

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.

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

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 4:30pm
  • Tuesday 9:00am - 4:30pm
  • Wednesday 9:00am - 4:30pm
  • Thursday 9:00am - 4:30pm
  • Friday 9:00am - 5:30pm
  • Saturday Closed

Other Services by Renasant Bank

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View all personal credit cards offered by Renasant Bank

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Every Purchase (Points) Starting at 1.5
Every Purchase (Points) Earn 1.5 points monthly for every $1 you spend on eligible net purchases.
Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 6 months
No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 24 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 5%
Minimum Cash Advance Fee ($) Starting at $10
Minimum Interest Charge $2.00
Returned Payment Fee Up to $40
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Identity Theft Protection
  • Travel Assistance
Rewards Categories
  • Every Purchase
  • Travel
Signup Bonus (points) 2,500
Cash Advance APR (Variable APR) 25.99%
Balance Computation Average daily balance (including new purchases).
Purchase APR (Variable APR) 14.49% - 23.49%
Balance Transfer Fee % After Intro Period Starting at 3%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) 14.49% - 23.49%
Balance Transfer Fee Minimum $5
Card Type
  • Rewards
  • Cashback
  • Bonus Offers
  • Zero Percent
Card Network Visa

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