First Southern Bank Platinum Visa Cash Back Rewards Card is a personal credit card from First Southern Bank. The annual fee is $35. The ongoing APR is 11.25% APR based on Prime Rate, rates will vary based on the Prime Rate after a 0% APR on purchases and balance transfers for the first 7 billing cycles introductory rate for 7 months. Rewards: 1% Cash back on all qualifying purchases. Bureau pull varies by state: Experian (~50%), Equifax (~30%), TransUnion (~7%).