How to Apply for a Bancorpsouth Platinum Visa Credit Card

The Bancorpsouth Platinum Visa Credit Card is one of four Visas offered by BancorpSouth and is unarguably the most desirable. It boasts the same rewards program as the Gold and Standard Visas while demanding a lower APR. The catch is that the applicant has no choice as to which credit card they receive once they apply with this bank. One can only attempt to acquire a Visa or a MasterCard and their creditworthiness will dictate which option is sent to them. Even if you run the risk of acquiring an inferior credit card option, the Bancorpsouth Platinum Visa Credit Card is worth applying for as all of BancorpSouth’s cards have a low interest rate and are generally good, honest credit cards. For instructions on how to get your hands on one of your own, review our tutorial below.

We recommend to all of our readers that they review the online privacy policy in order to better familiarize themselves with how their personal information is going to be used and protected.


To be eligible, the following must be true of all applicants:

  • Be 18 years of age or older
  • Reside in the United States of America
  • Have a valid Social Security Number

How to Apply

Step 1-  To apply, you’re going to need to find your way to the Bancorpsouth homepage.

Screen Shot 2015-10-12 at 6.48.00 PM

Step 2- Locate the login window in the top right-hand side of the screen. In this window you should notice the Apply for an Account option; click this to uncover the Credit Card option. Select this link to continue.

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Step 3- You should now be looking at the first page of the online application form. Select the Visa option to start off, then enter your Invitation Number if you have one. You’ll also have to use the drop down menus to select your State and Country of residence. Before you click Continue, you can elect to enroll in the rewards program, you can choose to add a co-applicant, and you have the option of performing a balance transfer.

Screen Shot 2015-10-12 at 7.14.15 PMStep 4- Page two will ask for some general Account Information which will include the following:

  • Full name
  • Email address
  • Phone number
  • Birth date
  • SSN
  • Mother’s maiden name

Screen Shot 2015-10-12 at 7.12.40 PMStep 5- You will be required to supply the below information pertaining to your current address as well.

  • Address
  • City
  • State
  • Zip code
  • Housing payment
  • Housing status
  • Time at residence

If your mailing address is the same as your physical address, check the box to indicate that this is so. If you have a separate mailing address, provide it before clicking Continue.

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Step 6- The third page asks that you supply the bank with your previous address and the amount of time spent at said address. Enter the requisite information and click Continue to move on.

Step 7- The personal and contact information of the Nearest Relative Not Living with You should be entered here. This will include the following:

  • Full name
  • Relationship
  • Address
  • City
  • State
  • Zip code
  • Email address
  • Phone number

Step 8- Under the Employment heading, BancorpSouth asks that you provide the information listed off below. This will help them determine your eligibility for their credit cards.

  • Employer name
  • Employer full address
  • Position within the company
  • Time employed
  • Phone number
  • Annual gross income
  • Other income and income source (if applicable)

Step 9- The last thing you’re going to have to do is read through the terms and conditions to make sure that you’re okay with everything stated within the document. If you comply with the terms, select the check box above the Submit button before clicking the button itself.

You’ve finished your application! Your request has been sent into BancorpSouth for review, and hopefully you’ll be accepted for the Platinum option. We trust that our tutorial has alleviated some of the confusion in this application process and we wish you the very best going forward with your new credit card.