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Standard Mastercard®

Whether you’re looking for some financial flexibility or adding some stability to your wallet, a Standard Mastercard® is ideal for you. The Standard Mastercard gives you the safety, security and benefits of Mastercard, with options to fit any lifestyle.


Credit Card Rewards

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

Overdraft Protection Icon

Overdraft Protection

Prevent overdrafts by transferring funds from another account.


No Annual Fee

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

  • No annual fee
  • Enjoy secure ATM access
  • Enroll in our optional Rewards Program
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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
  • 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)


  • 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 fees:
    • Up to $35
  • Returned payment fee:
    • Up to $35
  • Rates:
    • Prime + 12.65% APR on purchases(3)
    • Prime + 18.65% APR on cash advances(3)
For additional fees, please see our terms and conditions.

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Relevant FAQs

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How do I sign up for the BancorpSouth Rewards offered by BancorpSouth Credit Card?

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