Credit Cards


Credit Cards1 with the Personal Touch


As a First State Bank and Trust credit card customer, you'll enjoy professional, personalized service, whether by phone or at your local branch. Stop by with questions and apply for your card through the people you know and trust.

We offer competitive Annual Percentage Rates (APRs)2, and all of our credit cards come with 24/7 online account access. Plus, all Visa cards are protected by Visa's Zero Liability policy.3 In addition, you have a choice of rewards programs - choose between cash rewards or travel and shopping rewards.


Purchase Perks® Visa® Platinum

Earn points towards travel and shopping rewards
No fee for first year of Purchase Perks® membership
$0 introductory annual fee for first year; after that, $50 annual fee for Purchase Perks Premier or $12 annual fee for Purchase Perks Basic2
Combine points earned on all eligible credit cards4

Cash Rewards Visa® Platinum

Up to $400 in cash rewards per year
No Annual Fee2

Visa® Platinum

Worldwide acceptance
No Annual Fee2
Purchase Protection and other Visa® benefits included


Platinum Mastercard® also available.


Request Card Terms

If you already have a personal credit card with us, you can receive the terms of your card upon request. You can call us at 1-888-SYNOVUS (1-888-796-6887) or  make your request in writing to:

Card Services
P.O. Box 23061
Columbus, GA 31902-3061

Important Product Disclosures

Card Services is a division of Synovus Bank. Credit cards are issued by Synovus Bank, 1125 1st Avenue, 2nd Floor, Columbus, GA 31901, which is the creditor for all credit card accounts.

1. All credit cards are subject to credit approval.
2. On purchases, balance transfers and overdraft protection transactions, a 0% introductory APR for the first 6 months from account opening and after that a variable APR, of 7.24% - 21.24% (as of July 31, 2015), based on your creditworthiness and other factors. On Cash Advances (except overdraft protection transactions), a variable APR of 24.24% (as of July 31, 2015). The cash advance transaction fee is $10 or 4% of the cash advance, whichever is greater, except on overdraft protection transactions, for which the transaction fee is $15 or the amount of the transaction, whichever is less. The foreign transaction fee is 3% of the transaction (including transactions made in U.S. dollars and cross border transactions). On Purchase Perks® Visa® Platinum Cards, $0 introductory annual fee for the first year, after that $50 annual fee for Purchase Perks® Premier, or $12 annual fee for Purchase Perks® Basic.
3. Visa’s Zero Liability policy covers U.S.–issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or
4. It is possible to combine Purchase Perks® points in any combination of the two (2) following product (all products to be combined must share at least one common Principal account owner): one (1) Visa® Platinum Purchase Perks® Credit Card, one (1) Visa® Business Platinum Credit Card.
5. Platinum MasterCard® available upon request. Ask any personal banker for more information.
The service marks and trademarks used herein belong to their respective owners.