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Enjoy the convenience, flexibility and purchasing power of a Visa® Platinum Credit Card. Earn reward points redeemable for cash back, travel, gift cards and more. Plus, new cardholders can take advantage of low introductory interest rates. See below for some of the terms and conditions and other details.
New cardholders are automatically enrolled in Points Plus Rewards, so you can start earning rewards points with your very first eligible purchase.2 Get 1 reward point for every dollar you spend on things like gas, groceries, shopping and dining. Redeem your points for 1% cash back, merchandise, travel, gift cards and more!2
Low intro rates for new cardholders. 0.00% introductory APR on purchases for 7 billing cycles after account opening,1 then a variable APR thereafter, currently 18.24% to 23.24% APR based on your creditworthiness when you open the account.
Plus, earn 10,000 bonus points3 when you spend $2,000 on eligible purchases2 within the first 90 days as a new cardholder.
CardManager puts the power of credit card account management in your hands. You can view your card account history, set account based alerts, view statements online, pay your credit card bill and much more. Manage your credit card account from anywhere at anytime.4
Easily check out at your favorite retailers without ever reaching for your wallet. Add your credit card to the mobile wallet app on your eligible Apple, Android, or Samsung device to conveniently make purchases at merchants nationwide.
With Visa Zero Liability5, you’re protected from most unauthorized uses of your card or account information. Plus, virtually everything you buy with your Visa credit card is protected from theft or damage for up to 90 days after the purchase date4.
No cash, no card? No problem. With Emergency Cash and Card Replacement, you always have help – 24 hours a day, seven days a week.
Monitor your credit card purchases and receive added security with Visa® Purchase Alerts.6 Plus, your Visa card comes embedded with chip signature technology so you can make purchases with a new degree of confidence. Learn more about card security.
Terms and conditions for all credit card products ›
All Hancock Whitney Visa® Cards are issued by Hancock Whitney Bank.
1Introductory and Regular Annual Percentage Rates: For the first seven complete billing cycles after your account is opened, the Annual Percentage Rate (APR) for Purchases made under your account will be 0.00%. For the first seven complete billing cycles after your account is opened, the Annual Percentage Rate (APR) for Balance Transfers made under your account will be 0.00%. Beginning on the first day of the eighth complete billing cycle after your account is opened for Purchases, your APR will be from 18.23% to 23.24% based on your creditworthiness when you open your account. Beginning on the first day of the eighth complete billing cycle after your account is opened for Balance Transfers, your APR will be from 18.23% to 23.24%, based on your creditworthiness when you open your account. These APRs will vary with the market based on the Prime Rate Index. The Index is The Wall Street Journal U.S. Prime Rate as designated in the “Money Rates” section of The Wall Street Journal. The current APR for Purchases and Balance Transfers for the Platinum Card is 18.23% to 23.24% effective as of 7/31/2023. The APR for Cash Advances will vary with the market based on the Prime Rate. The Index is The Wall Street Journal U.S. Prime Rate as designated in the “Money Rates” section of The Wall Street Journal. The current APR for Cash Advances for the Platinum Card is 30.24%, as of 7/31/2023. Any change in the Index will result in a change in the APRs for Purchases, Balance Transfers and Cash Advances. Also, there is no time period within which you may pay to avoid the assessment of interest on Balance Transfers or Cash Advances because interest will accrue on any Balance Transfer from the posting date and on Cash Advances from the date of the transaction until it is paid in full. Additionally, a Balance Transfer Fee of 3% of the amount of each balance transfer and a Cash Advance Fee of 5% of the amount of each cash advance will apply.
2Purchases must be eligible to earn reward points based on the Points Plus Rewards Program Rules & Conditions which is defined as any signature-based transaction using your credit card account, net of any returns, credits or adjustments. Purchases that are initiated fraudulently or with a lost, stolen, counterfeit or canceled card, gaming-related purchases, cash access transactions (such as, but not limited to, Cash Advances, the purchase of traveler’s
checks, money orders or cashier’s checks), cash access transactions designated as Purchases and account fees or finance charges, if any, are not eligible purchases. In addition, PIN-based transactions made using your credit card account are not eligible purchases. Other restrictions may apply.
For information about rewards points, cash back or other rewards, including any limitations and restrictions visit www.hancockwhitney.com/pointsplus. You may also contact one of our dedicated Call Center agents: Hancock Whitney Clients 1-888-331-1057.
3 10,000 bonus points can be earned when you spend $2,000 on eligible purchases using your Hancock Whitney Bank Visa Platinum Credit Card within 90 days after your credit card account is opened. 10,000 bonus points would be awarded the month after the $2,000 eligible purchase threshold is met. The 10,000 bonus points award is in addition to base points earned on eligible purchases. Base points are calculated at 1 point for every $1.00 spent in eligible purchases. Credits and returns will reduce the base points and the equal amount of spend towards the spend threshold for bonus points. All of the Points Plus Rewards Program Rules & Conditions continue to apply during this 10,000 Bonus Rewards Points Promotional Period, and your account must be open and current, and you must be eligible to earn points based on the Points Plus Rewards Program Rules & Conditions.
For details on eligible purchases to earn rewards points and details on the rewards points program in general, including the 1% cash back reward and any limitations or restrictions, visit www.hancockwhitney.com/pointsplus. You may also contact one of our dedicated Call Center agents: Hancock Whitney Clients 1-888-331-1057..
4A complete description of these benefits, including any limitations and applicable third party fees, will be provided at the time the card is issued.
5Visa® 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. You must notify your card issuer promptly of any unauthorized use. Consult your issuer for additional details or visit www.visa.com/security.
6Actual time to receive a transaction alert is dependent on wireless service and coverage within area. Message and data rates may apply. Some PIN-based debit transactions may be routed through non-Visa networks. Transactions routed through non-Visa networks will not trigger a purchase alert. For more information about Purchase Alerts, including any limitations and restrictions, go to www.hancockwhitney.com/purchase-alerts.
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