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Gold Mastercard®

Increase your financial clout and get more out of your everyday spending. With our Gold Mastercard® Credit Card, you’ll receive the worldwide purchasing power, security and savings you expect from Mastercard®.

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Credit Card Rewards

Earn points for everyday purchases and redeem them for gift cards, air travel, vacations and more!


No Annual Fee

Enjoy the safety, security and convenience of Mastercard® with no annual fee.

  • No annual fee
  • Provides emergency customer service anywhere, anytime, in any language
  • Receive perks from our optional Credit Card Rewards Program
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Features & Benefits

Features and Benefits

  • No annual fee
  • Receive a low Annual Percentage Rate on purchases and cash advances(3)
  • With our Rewards Program,(2) for every dollar you spend, you'll earn a point toward gift cards, air travel, car rentals, cruises and vacations
  • Enroll in optional Overdraft Protection for BancorpSouth checking accounts
  • Set up automatic bill payment
  • Gain 24-hour access to your credit card information through our secure website
  • Enjoy secure ATM access with customer-selected PIN
  • Mastercard® Extended Warranty Doubles the original manufacturer's or store brand warranty for up to one year when you pay with your eligible Mastercard® credit card
  • Identity Theft Resolution Services provides you with access to a number of Identity Theft resolution services, should you believe you are a victim of Identity Theft
  • With Price Protection should you find a lower price for a new item within 60 days from the date of purchase using your eligible Mastercard® credit card, you may be reimbursed for the price difference.
  • Mastercard Global Service provides emergency customer service anywhere, anytime, in any language
  • For complete benefit details, see the Mastercard® Cardholder Core Credit Benefits
Requirements & Fees


  • Subject to credit approval(1)
  • Minimum credit limit: $2,000


  • Annual fee: none
  • Transaction fees:
    • Balance transfer: 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
  • Over-the-credit-limit fee: none
  • Late payment fees:
    • Up to $35
  • Returned payment fees:
    • Up to $35
  • Rates:
    • Prime + 9.65% APR on purchases(3)
    • Prime + 15.65% APR on cash advances(3)

For additional fees, please see our terms and conditions.

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Relevant FAQs

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