Please remember that First South will never call you from our main number, 901.380.7400, and ask you to provide your full Social Security Number, full credit or debit card account number, the code on the back of the card, the expiration date or other pieces of sensitive information, such as any codes or temporary passwords used to reset access to online or mobile banking. We take the safety and security of your personal information very seriously and have many procedures and safeguards in place to keep your information safe and secure. 

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VISA Flex Rewards Credit Card

Platinum FLEX Rewards Credit Cards

0.00% APR 12-month introductory rate for balance transfers! Plus, check out our latest points special!

 Learn more here.

Platinum VISA card

Our Platinum Flex Rewards card should be at the top of your wallet! Here's why.

You get all the benefits of our Visa Platinum credit card and:

Earn one point for every one dollar in purchases you make with your First South Financial Visa Platinum Flex/Rewards card. The points you earn can be redeemed for merchandise or travel at

Once you've created a user name and password for you can start redeeming your points for merchandise for whatever you want - including cash back! Plus, there are many ways that you can earn double points, triple points and more!

Apply Now

Credit Card Rates
Effective Date: Monday, March 4th, 2024
Titanium/Edge 18.50% APR to 26.50% APR*
Platinum Flex/Rewards 16.50% APR to 24.50% APR*
Platinum Advantage 14.50% APR to 22.50% APR*

We also offer many ways to make your credit card loan payments. Learn more about our loan payment options.

Looking to build or rebuild your credit, then the Fresh Start VISA Platinum card is for you!

*You may access the disclosure here. This APR will vary with the market based on the Prime Rate. All credit card applications are subject to approval and not all applicants will qualify. Offer is subject to change or withdrawal without notice. Please see First South Financial for complete details. First South Financial is an equal opportunity lender.

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