Woman selecting a credit card

Credit Cards

Pick the perfect card for your needs and preferences

Increase your purchasing power with a credit card that fits your individual needs and lifestyle. With a Southern Bank credit card in your wallet, handling expenses ranging from everyday purchases to monthly bills, travel costs and unexpected emergencies can be faster and easier. And no matter which option you choose, you’ll enjoy great benefits, robust protections and competitive rates!*

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Platinum Credit Cards

Experience hometown convenience, worldwide acceptance and great benefits.

3 Options:

Unlimited reward points that don’t expire. Earn one point per dollar on net purchases and redeem them for merchandise, rental cars, travel and more. Visit cRewardsCard.com for details.3

Earn 1% cash back on all net purchases. Cash rewards never expire.3

No penalty APR and competitive rates.*

Enjoy the Following Features with All of the Above Options:

  • Competitive Rates*
  • Mobile Payments for a Safe and Secure Way to Pay
  • Free FICO® Score1
  • Cell Phone Protection2
  • Fraud Monitoring and Zero Fraud Liability
  • SecurLOCK™ Email and Text Fraud Alerts
  • ID Navigator Powered by NortonLifeLock

* See the card application’s Important Disclosures for current terms, rates and fees. This card is issued by TCM Bank, N.A. Subject to credit approval.

1 FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. FICO ® Scores are updated monthly. You may not see your FICO ® Score right away. Some exclusions apply. Cardholders receiving employee pricing are not eligible.

2 Certain terms, conditions and exclusions apply. In order for the coverage to apply, you must charge your eligible cellular wireless bill to your covered TCM Bank-issued card, To learn more about this benefit or to file a claim visit the FAQ section at www.cardbenefitservices.com or call 1-866-894-8569.

3 In order to access rewards, your account must be open and in good standing.

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Visa Signature® Credit Cards

The card that goes beyond ordinary rewards.

2 Options:

Earn 30,000 Bonus Points when you spend $2,500 in the first 3 months. Earn 1.5 points per dollar on all your net purchases.3

Earn 2% cash back on air travel, hotels, dining at restaurants, including takeout and delivery services, and more. Earn unlimited 1% cash back on all other purchases. Plus, earn $50 cash back5 when you spend $500 in the first 60 days.

Enjoy the Following Features with All of the Above Options:

  • Receive Competitive Rates* with Exclusive Perks and Great Benefits:
  • Access to Visa Signature Luxury Hotel Collection
  • Rental car privileges with Silvercar by Audi
  • 24/7 Concierge Service
  • Mobile Payments
  • Zero Fraud Liability and Fraud Monitoring
  • Email and Text Fraud Alerts

*See the card application’s Important Disclosures for current terms, rates and fees. This card is issued by TCM Bank, N.A. Subject to credit approval.

3 In order to access rewards, your account must be open and in good standing.

5 Receive a $50 statement credit when you spend $500 in purchases (minus returns) in the first 60 days of account opening using your Excursion Visa Signature credit card. When calculating the total spend, finance charges, fees, balance transfers, cash advances, ATM withdrawals, foreign transaction currency conversion charges or insurance charges posted to your Account will not be included. Statement credit will be applied to your Account the following billing cycle. To be eligible for this offer, your Account must be open and in good standing (i.e., not cancelled, terminated by either party or otherwise not available for your use) at the time of credit posting. We reserve the right to debit your credit card account if subsequent returns reduce the total spend made on purchases during the first 60 days of account opening.

Woman selecting a credit card

Secured Credit Card

The perfect solution if you are looking to build or rebuild credit.

Our Secured Credit Card* works like any other credit card except it requires a security deposit which is held as collateral for your account.

Features:

  • Graduation Eligibility: With responsible use, you may become eligible for graduation to an Unsecured Credit Card in as little as 13 months.4
  • Free FICO® Score1
  • Fraud Monitoring & Zero Fraud Liability
  • Text & Email Fraud Alerts
  • Mobile Payments
  • 24/7, U.S.-based Customer Service
  • Financial Education

* See the card application’s Important Disclosures for current terms, rates and fees. This card is issued by TCM Bank, N.A. Subject to credit approval.

1 FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. FICO® Scores are updated monthly. You may not see your FICO® Score right away. Some exclusions apply. Cardholders receiving employee pricing are not eligible.

4 In as little as 13 months of responsible use, you become eligible for an account review for graduation to an unsecured credit card. In order to graduate, you must make on-time payments, spend within your credit limit, have a credit score of at least 660, and have no delinquencies in 12 months. If your account becomes 30 days delinquent, we will close the account and use your security deposit to pay any outstanding balances. Any remaining funds will be returned to you within 90 days of account closing.

Apply Online Today

Getting started is quick and easy. Fill out the application today.

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Digital tools to make your accounts more accessible.

We want your business banking relationship with us to be as easy and convenient as possible. That’s why we offer the latest digital tools to help you bank when you want, from where you want.

Here to Help You Succeed

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* Please see application for information about current APRs and fees.