WalletHub Rating
4.0/5
South State Bank Platinum Card has a rating of 4.0/5 according to our proprietary credit card rating system. This rating reflects how appealing South State Bank Platinum Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Finance New Purchases'. To break it down further, South State Bank Platinum Card earned a score of 4.0/5 for Fees, 0.0/5 for Rewards, 3.7/5 for Cost, 4.9/5 for APR, and 4.0/5 for User Reviews.Info about the South State Bank Visa® Platinum Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
4.0/5
72 reviewsRead and write reviews
Market Comparison
Market Comparison
4.0
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Finance New Purchases” for this card.
Fees
4.0
Rewards
0.0
Cost
3.7
APR
4.9
4.0/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit
South State Bank Platinum Card Annual Fee
$0
South State Bank Platinum Card APR on Purchases
0% intro APR for 18 months, 18.24% - 29.24% (V) APR after that
South State Bank Platinum Card Balance Transfer
0% intro APR for 18 months, 18.24% - 29.24% (V) APR after that
Balance Transfer Fee
South State Bank Platinum Card's Additional Info
0% Introductory APR for 18 months on balances transferred within 558 days of account opening.
Enjoy peace of mind with chip-enhanced acceptance, zero fraud liability, emergency card replacement, travel and emergency assistance, extended purchase warranties and 24/7 U.S.-based customer service.
Make mobile purchases with compatible Apple®, Android® or Samsung® phones.
show more
Learn More
at South State Bank's secure site
South State Bank Platinum Card Pros & Cons
No membership fees
0% intro APR on purchases
0% intro APR on balance transfers
No rewards
No initial rewards bonus
Balance transfer fee
High regular APR
Compare The South State Bank Platinum Card vs. Popular Alternatives
 South State Bank Visa® Platinum Card |  Wells Fargo Reflect® Card |  Wells Fargo Active Cash® Card |
|---|---|---|
4.0WalletHub Rating WalletHub Rating 4.0 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. User Reviews 4.0 Market Comparison 4.0 fees: 4.0 rewards: 0.0 cost: 3.7 APR: 4.9 | 4.2WalletHub Rating WalletHub Rating 4.2 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.8 User Reviews 3.3 Market Comparison 4.2 fees: 4.0 rewards: 0.0 cost: 4.0 APR: 5.0 | 4.4WalletHub Rating WalletHub Rating 4.4 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 5.0 User Reviews 3.2 Market Comparison 4.4 fees: 3.8 rewards: 4.7 cost: 4.7 Other Features: 0.0 |
annual fee$0 | annual fee$0 | annual fee$0 |
Purchase Intro APR0%for18 months | Purchase Intro APR0%for21 months from account opening | Purchase Intro APR0%for15 months from account opening |
transfer intro apr0% for 18 months|Transfer Fee: 5% (min $5) | transfer intro apr0% for 21 months from account opening on qualifying balance transfers|Transfer Fee: 5% (min $5) | transfer intro apr0% for 15 months from account opening on qualifying balance transfers|Transfer Fee: 3% intro for 120 days, then up to 5% (min $5) |
Regular APR18.24% - 29.24% (V) | Regular APR18.24% - 29.99% Variable | Regular APR20.24% - 29.99% Variable |
rewards rate | rewards rate | rewards rate |
bonus offer | bonus offer | bonus offer |
Sponsored Apply Now | Sponsored Apply Now |
Questions & Answers
Can't find what you are looking for? Submit your question about South State Bank Visa® Platinum Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
Most Popular
12
Upvotes
How do I apply for South State Platinum Visa?
Reply
12
Maria Adams, Credit Cards Moderator
@m_adams
You can apply for the South State Bank Platinum Card online, or by visiting one of their branches. Unfortunately, they don't take applications over the phone.
How to Apply for the South State Bank Platinum Card
- Online: To apply for the South State Bank Platinum Card online, you need to visit South State Bank website, choose the South State Bank Platinum Card and click 'Apply Now'.
- At a branch: You can submit the South State Bank Platinum Card application at a South State Bank branch during normal business hours.
After submitting your South State Bank Platinum Card application, you should get a decision instantly. But it could take longer if the issuer needs to verify your information. You can check your L.L.Bean Credit Card application status by calling (800) 277-2175.
View more answers
4
Upvotes
What's the starting credit limit for the South State Platinum card?
Reply
4
Maria Adams, Credit Cards Moderator
@m_adams
The South State Bank Platinum Card's starting credit limit isn't disclosed. The issuer will determine every cardholder's limit depending on their credit score, income, and other financial factors. You'll know your exact credit limit once your application is approved.
And even if you're not satisfied with your initial spending power, you might increase it in time. As long as you always pay your bills on time, stay well below your credit limit, and improve your credit score, you're...
show more
2
View more answers
Upvotes
Does the South State Platinum Card offer rewards?
Reply
John Miller, Credit Cards Moderator
@john_miller
No, the South State Bank Platinum Card does not offer any rewards. The card does, however, offer 0% introductory APR rates as follows:
- Purchases: 0% for 18 months, 18.24% - 29.24% (V) after that.
- Balance Transfers: 0% for 18 months, 18.24% - 29.24% (V) after that. There is a 5% (min $5) fee for each transfer, though.
If you're looking for a rewards credit card, then consider the Wells Fargo Active Cash® Card instead. This card offers 2% cash rewards on purchases and has a $0 annual fee. It should also be...
show more
Upvotes
How do I increase my South State Platinum credit limit?
Reply
John Miller, Credit Cards Moderator
@john_miller
You can get a South State Bank Platinum Card credit limit increase by making a request through your online account, or over the phone at (800) 558-3424 (or the number you see on the back of the card).
To raise your chances of being approved for a higher credit limit, pay your bill on time for at least six straight months, reduce your outstanding debt, and update the income the issuer has on file. South State Bank will be more...
show more
Upvotes
How much is the South State Platinum card's foreign transaction fee?
Reply
John Miller, Credit Cards Moderator
@john_miller
The South State Bank Platinum Card foreign transaction fee is 3%. This means South State Bank will add a 3% surcharge anytime you use the South State Bank Visa® Platinum Card outside of the United States. The 3% fee also applies to online purchases made through an internationally-based merchant.
2
View more answers
Upvotes
How much is the cash advance limit for the South State Platinum card?
Reply
Maria Adams, Credit Cards Moderator
@m_adams
The cash advance limit for the South State Bank Platinum Card is 25% of your credit line. In time, if you use your card responsibly, South State Bank might raise that limit to 50% of your credit line.
Keep in mind that a cash advance does not come with a grace period. An APR of 29.99% (V) will be applied from the moment of the transaction. On top of that, you will also have to pay a 5% (min $10) fee....
show more
Upvotes
How do I check my South State Bank Platinum application status?
Reply
John Miller, Credit Cards Moderator
@john_miller
You can check your South State Bank Platinum Card application status by calling the application line at (800) 364-9648. When you call, you'll need to provide personal information so that the issuer can match you to your application. It should only take a few minutes to find out whether your application is approved, denied, or pending.
Typically, you'll receive a decision on your application in a few minutes. Some applications might need up to 10 business days to process,...
show more
Upvotes
What are my South State Platinum approval odds?
Reply
William Memphis, WalletHub Credit Card Advisor
@bill.memp1
Your South State Bank Platinum Card approval odds are good if you have a credit score of 750+, which is considered excellent credit. Approval odds for the South State Bank Platinum Card will also be influenced by your annual income and existing debts. Applicants will need to be 18+ years old with a U.S. mailing address and an SSN or ITIN, as well.
What You Need for Good South State Bank Platinum Card Approval Odds
- Excellent credit or better
- Enough income to pay...
show more
Upvotes
How can I do a balance transfer with the South State Platinum card?
Reply
Madonna Lynch
@madlynch98
You can initiate a balance transfer with the South State Bank Platinum Card while applying for it. If you're already a cardholder, you can do a balance transfer by logging in to your account online or by calling (800) 277-2175.
This card has a generous transfer intro APR offer of 0% for 18 months, but it also has a 5% (min $5) balance transfer fee. Even so, it's an ideal card for paying down balances over a longer period of time. Just keep in...
show more
1
View more answers
Upvotes
What credit score is needed for the South State Platinum card?
Reply
Ambrose Will
@ambrosewill
An excellent credit score is needed for the South State Platinum card. But you must also meet other criteria to be approved. Your income and any debts you might have are also important factors in the issuer's decision.
Related Credit Cards From Our Partners
Wells Fargo Reflect® Card
Wells Fargo Active Cash® Card
Capital One SavorOne Cash Rewards Credit Card
Capital One VentureOne Rewards Credit Card
Capital One Quicksilver Cash Rewards Credit Card
Blue Cash Everyday® Card from American Express
Citi® Diamond Preferred® Card
Blue Cash Preferred® Card from American Express
Related Credit Card Categories
South State Bank Visa® Platinum Card is related to the following categories:
Chip and PIN Credit CardsVisa Balance Transfer Credit Cards
South State Bank Platinum Card Reviews
Share your insights and review for the South State Bank Visa® Platinum Card
5
8%
4
88%
3
1%
2
3%
1
0%
4.0
72 reviews
72 reviews
What's Your Rating?
M H
@mh8585
5 Star Rating
The terms of the First Federal Bank credit card are excellent. The interest rate is only 7.15% and there’s only a 2% cash advance fee. I have many other credit cards including prime and subprime cards. My Bank of America cash rewards card has a hefty 13% interest rate and charges 5% for cash advances. I much prefer the terms of the First Federal Bank card. This card also only has a $6.80 late fee where most cards, including my Bank of America card charges 20-35 dollars. I plan to apply for this card and recommend it to friends and family who are looking for a card. I don’t think there’s a better deal out there.
Comment
Jordan Webb
@jordan_webb_9212
5 Star Rating
I am highly considering using the First Federal Bank Credit Card. The best thing about the card that stands out to me is the 7.15% interest rate; this is simply amazing for a credit card! However, the fact that you need excellent credit to apply and use the card most likely means that someone using this card is already experienced with paying back on cards and has earned this really low interest rate. The lack of an annual fee and an almost month long interest rate makes this a card I would love to have. If only I had the credit!
Comment
Wiley Fambrough
@wileyf
4 Star Rating
I've been with this credit card company for almost a decade. During that time, I've increased my limit to a very high amount, and they have been very loyal to me. The interest rate could be lower, but their customer service has always been top notch. I have gotten calls from them at any sign of fraud, and they have always been very diligent. I have been in a couple of tough spots with them, but they have been persistent always gave me the benefit of the doubt to come through with payments. There are no rewards programs (that I am aware of), but this card has gotten me through thick and thin.
Comment
+ 69 WalletHub users submitted a rating without writing a full review
Review South State Bank Visa® Platinum Card
South State Bank Visa® Platinum Card
Credit Cards
>
South State Bank
Important Disclosures
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers. For full transparency, here is a list of our current advertisers.
Advertising impacts how and where offers appear on this site (including, for example, the order in which they appear and their prevalence). At WalletHub, we try to list as many credit card offers as possible and currently have more than 1,500 offers, but we do not list all available offers or financial service companies.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best credit card picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any issuer, as our editors follow a strict editorial policy.
WalletHub is not a financial advisor. Our goal is to provide you with top-notch content, data, and tools. You are responsible for deciding what financial products and providers are best for your needs.
Irrespective of whether an institution or professional is a paid advertiser, the presence of information on WalletHub does not constitute a referral or endorsem*nt of the institution or professional by us or vice versa.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
* The information about the following cards has been independently collected by WalletHub: South State Bank Visa® Platinum Card and L.L.Bean Credit Card.
