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Enroll your Master Card for Secure Code Today!  Click Here!

Apply for your Standard or Platinum MasterCard® today and enjoy using the card anywhere you see the MasterCard® symbol. Download Application Now

Worldwide Acceptance with Local Experience

When you carry a South Atlantic Bank MasterCard®, you have the best of both worlds – worldwide acceptance wherever you see the MasterCard® symbol and local service from the people you know and trust.

We've designed our cards with our customers in mind. Take a look:

Personal Standard MasterCard®.  With a minimum credit limit of $1,000, this card is perfect for anyone who is interested in establishing credit history.  College students, new employees entering the workforce, and young families can enjoy the many benefits this card provides. 

Personal Platinum MasterCard®.  For the utmost in flexibility, this card provides a credit limit starting at $5,000, a special rate on balance transfers, and the RewardsNOW program, along with all the benefits of our standard MasterCard®.   

Both cards also feature the latest in security with MasterCard® SecureCodeTM.  This service allows you to protect your cards with your own personal SecureCodeTM, so only you can use it for purchases when shopping online with participating retailers.  It is free of charge to cardholders.
For more details about MasterCard® SecureCodeTM, click here.

To apply, visit a customer service representative at South Atlantic Bank.

Personal Standard MasterCard®

With a Personal Standard MasterCard® from South Atlantic Bank, you receive:

  • Local, personal assistance
  • NO annual fee
  • 25 day grace period on purchases
  • Low variable rate APR
  • NO fee on balance transfers
  • MasterCard® SecureCodeTM for safe online purchases
  • Emergency and travel assistance options
  • Easy bill payment options at either of our South Atlantic Bank offices, via the internet, by U.S. mail, or auto draft.

 


Interest Rates and Charges

Annual Percentage Rate (APR) includes purchases, cash advances, and balance transfers

Currently a variable APR of 10.15%

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing cycle.  We will not charge you any interest on purchases if you pay your entire balance by the due date each month.  We will begin charging interest on cash advances and balances transfers on the transaction date.

Annual Fee

None

Variable Rate Information

Your annual percentage rate may vary.  The rate is equal to The Wall Street Journal Prime Rate as of the first day of the month, plus a margin of 6.90%. 

For Credit Card Tips from the Federal Reserve Board

To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard

Fees

Transaction Fees

  • Balance Transfer
  • Cash Advance
  • Foreign Transaction

 

None
None
An international service fee of 1%

Penalty Fees

  • Late Payment

 

  • Returned Payment

 

5% of the unpaid amount of the minimum payment not to be less than $6.20 or more than $15.50.  The amount of the late fee may increase as allowed by SCCPC 37-1-109.

$25.00

How we will calculate your balance:  We use a method called "average daily balance (including new purchases)."  For more information, see the account agreement.  For a full disclosure of the South Atlantic Bank credit card agreement, please click here. Write "Requesting Credit Card Disclosure" in the message field and complete all other information requested.  If you prefer to receive a copy via U.S. mail, please call Courtney Hicks at 843.839.4418, or write to her at South Atlantic Bank, P.O. Box 70130, Myrtle Beach, SC 29572.

The rates, terms, and conditions reported here are accurate as of 7/22/2014.

To apply, visit a customer service representative at South Atlantic Bank.

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Personal Platinum MasterCard®

With a Personal Platinum MasterCard® from South Atlantic Bank, you receive:

  • Local, personal assistance
  • NO annual fee
  • 0% APR for a six month period on balance transfers
  • RewardsNOW® program that pays you 1 point for every dollar spent (doesn't include balance transfers).
  • 25 day grace period on purchases
  • Low variable rate APR
  • NO fee on balance transfers
  • MasterCard® SecureCodeTM for safe online purchases
  • Emergency and travel assistance options
  • Easy bill payment options at either of our South Atlantic Bank offices, via the internet, by U.S. mail, or auto draft.

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More About RewardsNOW®:

RewardsNOW® is the program that pays you points for every dollar you spend with your South Atlantic Bank Platinum MasterCard®.  You redeem your points for terrific rewards including

  • Travel (book online, with one of our RewardsNOW® travel agents, or on your own).  You earn $50 travel rebates for every $5,000 you spend.
  • Fabulous merchandise including jewelry, toys, electronics, and more.
  • Gift cards
  • Ringtones

It's all very easy to do via the RewardsNOW® website. Click here to visit and for more information.

Interest Rates and Charges

Annual Percentage Rate (APR) includes purchases, cash advances, and balance transfers

Currently a variable APR of 7.75%

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing cycle.  We will not charge you any interest on purchases if you pay your entire balance by the due date each month.  We will begin charging interest on cash advances and balances transfers on the transaction date.

Annual Fee

None

Variable Rate Information

Your annual percentage rate may vary.  The rate is equal to The Wall Street Journal Prime Rate as of the first day of the month, plus a margin of 4.50%. 

For credit card tips from the Federal Reserve Board

To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard

Fees

Transaction Fees

  • Balance Transfer
  • Cash Advance
  • Foreign Transaction

 

None
None
An international service fee of 1%

Penalty Fees

  • Late Payment

 

  • Returned Payment

 

5% of the unpaid amount of the minimum payment not to be less than $6.20 or more than $15.50.  The amount of the late fee may increase as allowed by SCCPC 37-1-109.
$30.00

How we will calculate your balance:  We use a method called "average daily balance (including new purchases)."  For more information, see the account agreement.  For a full disclosure of the South Atlantic Bank credit card agreement, please click here. Write "Requesting Credit Card Disclosure" in the message field and complete all other information requested.  If you prefer to receive a copy via U.S. mail, please call Courtney Hicks at 843.839.4418, or write to her at South Atlantic Bank, P.O. Box 70130, Myrtle Beach, SC 29572.

The rates, terms, and conditions reported here are accurate as of 7/22/2014.

To apply, visit a customer service representative at South Atlantic Bank.

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