Annual Percentage Rate (APR) for Purchases 16.90%
This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers 21% This APR will vary with the market based on the Prime Rate.
APR for Cash Advances 21% This APR will vary with the market based on the Prime Rate.
Penalty APR and When It Applies 21%
This APR may be applied to your account if you make a late payment.

How Long Will the Penalty APR Apply?
If your APRs are increased for this reason, the Penalty APR will apply until you make six consecutive minimum payments when due.
Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
Minimum Interest Charge  If you are charged interest, the charge will be no less than $0.50.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau:


Annual Fee
Transaction Fees:  
Balance Transfer1
Either $10 or 3% of the amount of each balance transfer, whichever is greater (maximum fee: $60).
Cash Advance
Either $10 or 3% of the amount of each cash advance, whichever is greater (maximum fee: $60). 
Foreign Transaction
2% of the U.S. dollar amount of transactions converted from a foreign currency.
Penalty Fees:  
Late Payment
 Up to $35
Over-the-Credit Limit
Returned Payment
 Up to $35

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."


(1) Applicants must be of legal contractual age and be enrolled in an accredited two-year or four-year college or university. Our minimum credit limit is $500. The disclosures are accurate as of  April 1, 2020; however, terms are subject to change after the date of printing.

All applicants less than 21 years old must provide either financial information sufficient to show an independent means to repay required minimum payments or have a joint applicant at least 21 years of age who furnishes information sufficient to show ability to repay required minimum payments.


You can simplify your credit card payment process by making your payments electronically from any checking or savings account owned by you at BancorpSouth or at any other bank or financial institution. You can set your electronic payment amount to equal the minimum payment due or the full balance of your account. For further information, please write to BancorpSouth Credit Card Center, P.O. Box 3370, Tupelo, MS 38803, or call 800-844-2723.


BancorpSouth’s Overdraft Protection Service uses cash advances from your credit card (subject to availability and Cash Advance Transaction Fees) as the source for deposits into the checking account when needed to cover overdrafts. Read the full BancorpSouth Overdraft Protection Terms and Conditions at:

Student Credit Card Terms and Conditions

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