Consumer Credit Cards
South Shore Bank is pleased to offer credit card products to fit your lifestyle! Our credit cards offer many options which feature low APRs, fraud protection and the local friendly service you've come to expect from us. We place great value in our client relationships and are proud to offer you these exciting credit card products.
All South Shore Bank Consumer Credit Cards enjoy these benefits:
- No Hidden Fees
- No Over Limit Fee
- No Penalty APR for missed payments
Additional Mastercard® benefits, include:
- ID Theft Resolution with Wallet Protection
- Extended Warranty
- Price Protection
- MasterRental Coverage for auto rentals
- Mastercard Global Services
- Liability protection for fraudulent transactions
Added Features:
- 24/7 Customer Service
- Multiple payment options, including online banking, in a branch, or by mail
- EMV “Smart Chip” technology
- Online access to statements and transactions
- Paperless statements
- Extra cards for other family members at no additional cost
- Apple Pay, Google Pay and Master Pass – Mobile Wallets
Choose the Option that's right for you:
Consumer Platinum Card*
- No annual fee*
- 0% Intro APR on balance transfers for 6 months with a variable APR of Prime + 5.74% to Prime + 13.74% thereafter (based on credit score)
Consumer Platinum Rewards*
- No annual fee*
- 1 point per $1 of spend***
- Spend $1,000 on your South Shore Bank Rewards credit card in the first 3 months after your account is opened and earn 5,000 bonus points*** ($50 cash back equivalent)
- Rewards-based with comprehensive set of redemption options
- Variable rate to be determined at a time of application and likely to range from Prime + 9.74% to Prime + 15.74% (based on credit score)
Consumer World*
- No membership, privilege or annual fee*
- No foreign transaction fees
- Double points on dining and travel purchases***
- Spend $3,000 on your South Shore Bank World credit card in the first 3 months after your account is opened and earn 10,000 bonus points*** ($100 cash back equivalent)
- Higher line, superior benefits, enhanced rewards
- Variable rate to be determined at a time of application and likely to range from Prime + 9.74% to Prime + 15.74% (based on credit score)
Low Rate Platinum**
- Low APR – Prime + 2.99%
- Zero balance transfer fee for the first 6 months after card opening; then $10 or 1%, whichever is higher
- $99 Annual Fee**
Subject to Credit Approval. Ask for Details.
*Fees and Interest: You will not be charged any interest if you pay your entire balance by the due date each month. The due date will be at least 25 days after the close of each billing cycle. If you are charged interest, the minimum interest charged will be no less than $1. The cash advance fee is either $10 or 4% of the amount of each cash advance (whichever is greater). The APR for cash advances is 23.99%. The fee for each late payment is up to $35. The fee for each returned payment is up to $35. There is no over-the-credit limit fee. The Annual Percentage Rate as of 3/25/20 is 8.99% to 16.99% for the Consumer Platinum Card and 12.99% to 18.99% for the Consumer Platinum Rewards and Consumer World card. This is a variable APR that is based on the WSJ Prime Rate and your creditworthiness.
**Fees and Interest: There is a $99 yearly fee for the Low Rate Platinum Mastercard®. You will not be charged any interest if you pay your entire balance by the due date each month. The due date will be at least 25 days after the close of each billing cycle. If you are charged interest, the minimum interest charged will be no less than $1. The cash advance fee is either $10 or 4% of the amount of each cash advance (whichever is greater). The APR for cash advances is 23.99%. The fee for each late payment is up to $35. The fee for each returned payment is up to $35. There is no over-the-credit limit fee. The Annual Percentage Rate as of 3/25/20 is 6.24%. This is a variable APR that is based on the WSJ Prime Rate.
***Upon approval, a letter will be mailed acknowledging your new account. For details on Rewards Program Rules, please visit https://Southshorebank.myapexcard.com/apply and select Rewards Terms and Conditions. Redemption options are subject to change without notice. Rewards are offered through a third party and are not products of the bank. We group similar merchant category codes into Purchase Categories that are used to calculate the stated rewards points. We make every effort to include all relevant merchant category codes in the list Purchase Categories. However, even though a merchant or the items that it sells may appear to fit within a Purchase Category, the merchant may not provide us with the merchant code that will fall within that Purchase Category. Because of this, we cannot guarantee that a purchase will qualify for more than the standard 1 (one) rewards points as any purchase where a merchant uses a category code outside of the eligible Purchase Category does not qualify for additional rewards points.
