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 Platinum Advantage Credit Card

Platinum Advantage

Apply today!

0.00% APR 12-MONTH INTRODUCTORY RATE FOR BALANCE TRANSFERS! LEARN MORE HERE.

Platinum VISA card

Our Platinum Advantage Credit Card* offers you:

  • NO ANNUAL FEE
  • Credit limits up to $50,000
  • Enhanced security with EMV chip technology
  • eStatement option
  • Protection against fraud with Falcon Security
  • Free online access to your credit card account via online or mobile banking
  • Worldwide ATM access
  • Tap to pay with our contactless card

Apply today!

Credit Card Rates
Effective Date: Friday, September 26th, 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*

We also offer many ways to make your credit card loan payments. Learn more about our loan payment options. 

Looking to build or rebuild your credit, then the Fresh Start VISA Platinum card is for you!

*You may access the disclosure here. This APR is variable and will vary with the market based on the Prime Rate. All credit card applications are subject to approval and not all applicants will qualify. Offers are subject to change or withdrawal without notice. Please see First South Financial for complete details. First South Financial is an equal opportunity lender.

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