Credit Cards

Your credit card, your choice

From smart credit to flexible rewards, Southland has a card for you. 

Enjoy! Rewards Visa Platinum

12-Month Introductory APR on purchases and balance transfers 0.00%
Apply Now

Enjoy! Rewards Visa

Enjoy! Rewards Visa Platinum

Our Platinum Cash Rewards Visa will become the Enjoy! Rewards Platinum Visa credit card

  • Eligible for Enjoy! Rewards1 
    • Earn 1 point for every $1 spent
    • Redeem your points for: 
      • Discounts on purchases at checkout at participating gas stations and merchants
      • Pay for purchases by redeeming points on the go
      • Cash back
      • Merchandise
      • Travel & more!
  • 0% APR2 on purchases and balance transfers for the first 12 months
  • Visa Zero Liability coverage4
  • No annual fee

Visa Smart Card

Smart Card

  • Simple, no frills credit card perfect for making small purchases to build credit
  • Secured credit option available
  • Visa Zero Liability coverage4
  • No annual fee
 

Introducing Enjoy! Rewards

Elevate your shopping experience with Enjoy! Rewards by Southland - the loyalty program designed for Members who crave more perks, no matter where or how you shop.

From instant rewards to cash back, airfare, hotels, gift cards, gas and beyond, Enjoy! Rewards offers a wide range of benefits, ensuring there's something for everyone.

Discover how you can Enjoy!

If your card has the contactless indicator on it, you can use it to make purchases with a simple tap. 

Tap to pay
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Lost or stolen card?

Report a lost/stolen card: 

888.426.1918

Read important credit card disclosures | Open full credit card agreement

1: Enjoy! Rewards Checking and/or an Enjoy! Rewards Platinum Credit Card is required to participate in the Enjoy! Rewards program. Additional points accumulated for other banking relationships, products and services. For complete details, refer to Enjoy! Rewards Program Terms and Conditions. Web/App access is needed to use Mobile Banking. You may be charged access rates depending on your carrier. Check with your service provider for details on specific fees and charges. Some restrictions may apply.

2: APR= Annual Percentage Rate. 0% introductory APR for 12 months, based on your creditworthiness, available on Platinum cards only. Not every applicant approved for the Platinum card will qualify for the intro rate. After that, your APR will be 13.49-16.49%. This APR will vary with the market based on the Prime Rate plus a margin. Balance transfer, cash advance, foreign transaction and other fees may apply. Terms, features, programs and conditions subject to change. 

3: Applicants may qualify for a Maximum total unsecured limit of $25,000, lending criteria applies. Online application currently accepts a max limit of $25,000, please place a comment on your application to request more, or contact us.

3: Visa’s Zero Liability Policy is our guarantee that you won’t be held responsible for unauthorized charges made with your account or account information. You’re protected if your Visa credit or debit card is lost, stolen or fraudulently used, online or offline. Program conditions and restrictions may apply.