Choosing your Southland Visa card

How to choose the best Southland card for you 

It's your Visa, your rewards, your choice.  

Are you having trouble deciding which Southland card is the best choice for you?  Use this Visa guide to decide which credit card is the best for your interests and financial goals. 

Platinum Cash Rewards 

Features:

  • Earn 1 point for every $1 spent with your choice to:
    • Redeem rewards points for CASH
    • Redeem rewards points for merchandise, travel and fuel
  • 0% APR1 on purchases and balance transfers for the first 12 months
  • APR as low as 9.24% after the first year
  • Maximum limits up to $100,0002 
  • Visa Zero Liability coverage3
  • No annual fee

Southland’s Platinum Cash Rewards card is perfect for making both large and small purchases. New qualified cardholders will enjoy an introductory interest rate of 0% for the first 12 months, and then an APR as low as 9.24%  after that. With Southland, you can take advantage of earning rewards with an interest rate much lower than most other consumer credit cards. 

With the Platinum Cash Rewards card, you can choose to redeem your rewards points—awarded 1 point per qualifying $1 spent—for thousands of different merchandise and travel offers on ScorecardRewards.com. Or, you may choose to redeem your points for cash for the ultimate spending freedom. Cash can be redeemed on the ScoreCard Rewards website in increments of $20 — up to $100 at a time. It can be redeemed an unlimited amount of times up to your available points limit and is delivered to your checking or savings account via ACH transfer. 

On top of the rewards, Southland's Platinum Cash Rewards card includes no annual fee, low interest rates, Visa Zero Liability Coverage, and maximum lines up to $100,000. It also features a sleek vertically-designed card for a smooth user experience when tapping to pay or inserting your chip at payment terminals.

Platinum Rewards 

Features:

  • Earn 1 point for every $1 spent
  • Redeem rewards points for merchandise, travel and fuel
  • 0% APR1 on purchases and balance transfers for the first 12 months
  • APR as low as 8.99% after the first year
  • Maximum limits up to $100,0002 
  • Visa Zero Liability coverage3
  • No annual fee

Southland’s Platinum Rewards Card is the perfect card for people who love to shop, travel, give back and more. With your small or large purchases, you will earn 1 point for every $1 to redeem for thousands of rewards options on ScorecardRewards.com. To redeem your points, choose from thousands of products, fuel or travel options, or use your points to donate to charities. 

On top of the numerous rewards benefits, new qualified cardholders will enjoy an introductory 0% APR on purchases for the first year followed by an APR as low as 8.99%  after that. The Platinum Rewards Visa also features maximum limits up to $100,000, Visa Zero Liability Coverage and no annual fees. 

Smart Card

Features:

  • Ideal for young adults in college or entering the workforce4 
  • Simple, no frills credit card perfect for making small purchases to build credit
  • Rates as low as 14.99% APR1
  • Secured credit option available
  • Visa Zero Liability coverage3
  • No annual fee

Southland’s Visa Smart Card is the ideal card for college students and young adults entering the workforce. The Smart Card is a simple, no-frills credit card perfect for making small, everyday purchases that will build you credit over time. With Zero Liability Coverage, no annual fee and rates as low as  14.99%  APR, the Smart Card is a perfect starter credit card. 

Southland also offers a secured Smart Card option with no annual fee. This version is perfect for those who wish to establish or re-establish credit. Your credit card is secured by a Southland Savings or Money Market account. 

Already have a credit card? Balance transfers are fee-free until December 31, 2021! Transfer a balance to a Southland Visa and save. 

Click here for more information about how to redeem your rewards points. 

Ready to make your Southland Visa choice? Apply now.  


Read important credit card disclosures(Opens in a new window)(Opens in a new window)  |  Open full credit card agreement(Opens in a new window)

1: 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 9.24% - 12.24% for Platinum Cash Rewards or 8.99% - 11.99% for Platinum Rewards. 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. 

2: Applicants may qualify for a Maximum total unsecured limit of $100,000, 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(Opens in a new window).

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. 

4: Lending criteria will apply.