The BankSouth Platinum Benefits Visa® Credit Card is a personal credit card from BankSouth Platinum Benefits Visa® Credit Card. The annual fee is null. The ongoing APR is APR of Wall Street Journal Prime Rate plus 8% after a 0% introductory Annual Percentage Rate (APR) on purchases for the first 7 billing cycles introductory rate for 7 months. Approval typically requires a credit score of null or higher. Signup bonus: null. Rewards: null. Cash back: null.