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

Our Business Platinum MasterCard® gives you real purchasing power!  Now you can buy the things your business needs – office supplies, gas for the company car, even airline tickets for business travel –  easily, safely, and securely.

With a Business 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 or tax payments).
  • 25 day grace period on purchases
  • Low variable rate APR*
  • NO fee on balance transfers
  • Easy bill payment options at either of our South Atlantic Bank offices, via the internet, by U.S. mail, or auto draft.
  • Consolidated or Individual Pay Options.

Consolidated Option

Individual Option

Pay total balance with one check regardless of number of cardholders.

Write a separate check to pay each account.

All accounts roll to an umbrella account at the end of each month.

All individual account numbers are tied together through same numbering scheme.

All cards have different numbers and lines of credit

All cards have different numbers and lines of credit.

Your business receives one statement and transactions are listed by cardholder.

Statement is issued for and sent to each cardholder.


Interest Rates and Charges

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

Currently a variable APR* of 6.25%

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


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 3.00%. 

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit


Transaction Fees

Balance Transfer

Cash Advance

Foreign Transaction



An international service fee of 1%

Penalty Fees

Late Payment

Returned Payment





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 11/29/2015.

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

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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.