The Great Southern Bank is a personal credit card from Great Southern Bank. Application typically pulls a hard report from TransUnion. The annual fee is $0. The ongoing APR is Variable APR of 17.49% to 25.49% (UMB application page, checked 2026-10-14; page shows no document date) after a 0% intro APR for 12 months on purchases; 0% intro APR for the first 12 billing cycles on balances transferred within 60 days of account opening introductory rate for 12 months. Rewards: 3X points per dollar on everyday purchases at gas stations, grocery stores, discount stores, restaurants and fast food; 1X point per dollar on all other purchases. Typical credit limit: Visa Signature: credit line of $5,000 or more; Visa Platinum: lower credit line. This product reports activity to your personal credit report.