Earn big with a Visa^® Platinum credit card

Terms and conditions for all credit card products ›

All Hancock Whitney Visa® credit cards are issued by Hancock Whitney Bank. Therefore Hancock Whitney Bank owns all approved credit card accounts and sponsors any related rewards programs.

¹ You will earn rewards points for purchases using your credit card account, minus returns and refunds. “Purchases” must be eligible purchases, which do not include balance transfers, cash advances, checks that access your credit card account, items returned for credit, unauthorized charges, interest and account fees, traveler’s checks, foreign currency purchases, money orders, wire transfers (and similar cash-like transactions), lottery tickets, and gaming chips (and similar betting transactions).

For details on eligible purchases to earn rewards points and details on the rewards points program in general, including the 1.5% cash back reward, and any limitations or restrictions, go to hancockwhitney.com/pointsplus.

² Introductory and Regular Annual Percentage Rates: For the first 12 complete billing cycles after your account is opened, the Annual Percentage Rate (APR) for Purchases and Balance Transfers made under your account will be 0%. Balance transfers must be completed within the first 60 days after account opening to receive the intro rate. Beginning on the first day of the 13th complete billing cycle after your account is opened for Purchases and Balance transfers, you’ll have a variable APR, currently 17.49%-27.49%, based on your creditworthiness when you open the account. These APRs will vary with the market based on the Prime Rate (the Index) plus a margin. 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 17.49% to 27.49%, effective as of  04/07/2026 . Please note we do not permit balance transfers to be used to pay off balances of, or to make payments on, other loans or accounts you have with Hancock Whitney or with any of our related banks or companies.

The APR for Cash Advances is variable and is based on an Index, plus a margin. The Index is The Wall Street Journal U.S. Prime Rate, as designated in the “Money Rates” section of The Wall Street Journal. As of  04/07/2026 , the current APR for Cash Advances for the Platinum Card is Prime + 21.74%, currently 28.49%. This APR will vary with the market based on the Prime Rate.

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 date of posting and on any Cash Advance from the date of the transaction. Additionally, a Balance Transfer fee of 4% (with a $10 minimum) of the amount of each balance transfer, and a Cash Advance fee of 5% (with a $10 minimum) of the amount of each cash advance, will apply. There is no Annual Fee.

SPECIAL NOTICE to customers who pay their entire balance in full each month: As an example, let’s say you make a purchase of $1,000 within the first 12 billing cycles after account opening with this promotional offer. No matter how else this card is used, that $1,000 will have a promotional APR through your 12th billing cycle after account opening. Then, after the 12 billing cycles after account opening, you make a $100 purchase with the card. The $100 purchase will incur interest at your regular Annual Percentage Rate (APR) from the date of purchase (unless you pay the entire $1,100 in full by your next payment due date).

³ To qualify for bonus points, you must apply for your Visa® Platinum Credit Card on or before 12/31/2026. You will earn 20,000 bonus points when you spend a total of $1,000 on eligible purchases using your Hancock Whitney Bank Visa Platinum Credit Card within 90 days after your credit card account is opened. The month after the $1,000 in spend threshold is met, the 20,000 bonus points will be awarded. The 20,000 bonus points award is in addition to base points earned on eligible purchases. Base points are calculated at 1.5 points for every $1.00 spent on 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 20,000 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. This offer is not guaranteed if you do not meet our criteria at the time of application. Limited to one credit card offer redemption per cardholder per 36 months.

⁴ A complete description of these benefits, including any limitations and applicable third party fees, will be provided at the time the card is issued.

⁵ Visa^®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 visitwww.visa.com/security.

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