The BankSouth is a personal credit card from BankSouth. The annual fee is $35. 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. Rewards: 1% cash back, with no spending limit and no limit on rewards. Cash back: 1% cash back, with no spending limit and no limit on rewards. This product reports activity to your personal credit report.