Visa® Student Card

You’re smart, reliable and definitely ready for your first credit card. Our Visa® Student Credit Card helps you manage your account while giving you the spending power you need.

No Annual Fee Icon

No Annual Fee

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

Overdraft Protection Icon

Overdraft Protection

Prevent overdrafts by transferring funds from another account.

Financial Tools Icon

Financial Tools

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

  • No annual fee
  • Automatic payment draft option
  • Online budgeting calculators
  • Students can only apply in-branch
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Features & Benefits

Features and Benefits

  • No annual fee
  • Enjoy a low Annual Percentage Rate on purchases and cash advances(3)
  • 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
  • Receive free enrollment in automatic payment draft options
Requirements & Fees


  • Subject to credit approval(1)(9)
  • Must be applied for in-branch.


  • 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 fee:
    • Up to $35
  • Returned payment fee:
    • Up to $35
  • Rates:
    • Prime + 13.65% APR on purchases(3)
    • Prime + 19.65% APR on cash advances(3)

For additional fees, please see our terms and conditions.

Relevant FAQs

What is the difference between a student credit card and a regular one?

What is the minimum payment that can be paid on a Credit Card through Infoline?

More FAQs

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