The Southern Bank is a personal credit card from Southern Bank. Application typically pulls a hard report from Experian. Signup bonus: $50 cash back when you spend $500 in the first 60 days. Rewards: 2% cash back on air travel, hotels, and restaurant dining (including takeout and delivery); unlimited 1% cash back on all other purchases. Cash back: Earn 2% cash back on air travel, hotels, dining at restaurants, including takeout and delivery services, and more.. This product reports activity to your personal credit report.