IMPORTANT SECURITY REMINDER - Don't be tricked into giving a scammer your information! 
Scammers can spoof phone numbers to make calls or texts look like they are coming from us, and they may ask for information such as your online/mobile banking login information, temporary passwords, verification codes, or your 16-digit card number and PIN. PLEASE REMEMBER - WE WILL NOT CALL OR TEXT YOU AND ASK FOR THIS INFORMATION. If you think you may have provided sensitive information to a scammer, please contact us at 901.380.7400, stop by your closest banking center, or send us a message via online or mobile banking so we can assist you. If you receive a call or text and are unsure if it legitimate, please hang up/do not text back and contact us.

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Refer your friends and family and you'll both get $50 when they join!*

VISA Credit Card

Fresh Start Visa Platinum credit card

Because everyone deserves a fresh start

If you need to build or rebuild your credit and need a credit card with fantastic benefits and a great rate, then this card is for you!

Our Fresh Start Credit Card* is not a secured card nor is a co-signer or co-borrower with good credit required.

The card automatically comes with a $250 credit limit which allows you a chance to have access to credit without getting in over your head.

Your timely payments are reported to the credit bureaus which helps to build or rebuild your credit.

And we will review your account periodically to see if you qualify for a higher limit.

For more information, give us a call at 901-380-7401 or stop by any of our banking centers today!

Apply Now

Credit Card Rates
Effective Date: Sunday, September 28th, 2025
NameAPR
Titanium/Edge 17.50% APR to 18.00% APR*
Platinum Flex/Rewards 15.50% APR to 18.00% APR*
Platinum Advantage 13.50% APR to 18.00% APR*

*Some minimal criteria does apply and not all applicants will qualify. Full net pay must be direct deposited to a First South Financial Checking or Savings Plus account. Rates are variable, and the Fresh Start Visa interest rate is the same as the Platinum Advantage Visa interest rate. Applicants in an active bankruptcy are not eligible. Please see us for complete details. Equal Opportunity Lender. Offers are subject to change or withdrawal without notice. You may access the disclosure here.

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