Secured Mastercard

Establish and strengthen your credit with a BancorpSouth Personal and Business Secured Credit Card. Our Secured Credit Card provides you the opportunity to help you build or rebuild your credit with no annual fee.

If you have little to no credit or are looking to restore or improve your credit, the BancorpSouth Secured Credit Card can help make financial flexibility easier and more obtainable.

Secure your line of credit with a savings account deposit of $500 or more and receive all the benefits that Mastercard has to offer while building and restoring your credit.

Get rewarded! Earn points with every purchase on your credit card and watch the rewards stack up.


No Annual Fee

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


Credit Card Rewards

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

Financial Tools Icon

Financial Tools

Stay informed and learn about practical money skills, your credit score and more.

  • Access your accounts via Online and MyBXS Mobile App
  • Roadside Assistance
  • Emergency customer service anywhere, anytime, in any language
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Features & Benefits

Features and Benefits

  • No annual fee
  • Low Annual Percentage Rate on purchases and cash advances(3)
  • With our Rewards Program,(2) for every dollar you spend, you'll earn a rewards point to redeem towards gift cards, air travel, car rentals, cruises and vacations
  • Enroll in optional Overdraft Protection for BancorpSouth checking accounts
  • Set up automatic bill payment
  • Utilize Mobile Wallet – a fast and secure way to keep pace with your lifestyle(14)
  • Gain 24-hour access to your credit card information through our secure website
  • Secure ATM access with customer-selected PIN
  • 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
  • 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

Features & Pricing

  • Available to everyone
  • $500 minimum to open (security deposit)
  • $5,000 max
  • Transaction fees:
  • Credit limit equivalent to the amount of the security deposit
  • No annual fee
  • 9.90% APR (which can be avoided by paying the balance in full each month)

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