Southern Growth Rewards: Put Everyday Business Spending to Work

Earn 1 point for every $1 spent on eligible purchases with Southern Growth Rewards, a no-annual-fee rewards credit card with tools to help manage business spending.

Make Business Spending More Rewarding

Your business has expenses. Southern Growth Rewards gives those purchases more potential.

Earn 1 point for every $1 spent on eligible business purchases, then redeem through SpendTrack^™, uChoose Rewards^™ for options including:

Statement credits

Travel

Gift cards

Merchandise

Event tickets

Pay-with-points options

With a flexible credit card rewards program that allows you to pool points across eligible registered accounts and cards, you can choose the rewards that make the most sense for you and your business.

More Control Over the Way Your Business Spends

Give your team the purchasing flexibility they need while keeping greater visibility and control over business expenses.

Southern Growth Rewards includes business-focused tools such as:

Employee card controls

Manage employee cards individually, with controls that help you tailor card use based on each employee’s purchasing needs.

Customizable spend limits

Set spending limits to help keep purchases aligned with your budget and policies.

Coming Soon: Expense management features

Keep a closer eye on business card activity to simplify day-to-day expense management.

Business Value Without an Annual Fee

Get the benefits of a business rewards credit card without adding an annual fee to your expenses.

Southern Growth Rewards gives your business a way to earn on the purchases you’re already making without adding another recurring card cost. With no annual fee, you can focus on the value of the rewards and tools you use to manage day-to-day business spending.

Keep Business Spending Within Reach

Access your card through the dedicated SpendTrack^™ app to stay connected to business spending wherever work takes you.

With the SpendTrack^™ app, you can review balances, monitor card activity, and redeem rewards alongside the rest of your business banking.

Security and Support for the Way You Do Business

Southern Growth Rewards includes modern payment technology and security features designed to help protect your business.

Tap to pay

Make quick, secure contactless payments where available.

EMV chip technology

Get added security when making purchases with your physical card.

Visa Zero Liability

Get protection from unauthorized transactions, subject to Visa’s applicable terms.

Lost or stolen card replacement

Get support replacing cards that are lost or stolen.

24/7 cardholder service

Southern Bank Customer Care is available during business hours, with additional cardholder support available after hours.

A Business Credit Card Backed by Southern

Managing a business means making decisions every day. Your credit card should make at least one of them easier.

Southern Growth Rewards pairs flexible rewards and business spending tools with the convenience and support of a banking partner that understands the way local businesses work.

Southern Growth Rewards FAQs

How do business credit card rewards work?

With Southern Growth Rewards, you earn 1 point for every $1 spent on eligible business purchases. Points can be redeemed through SpendTrack^™, uChoose Rewards™ for statement credits, travel, gift cards, merchandise, event tickets, and more.

Is there an annual fee?

No. Southern Growth Rewards has no annual fee.

Can I provide cards to employees and set spending limits?

Yes. Southern Growth Rewards includes employee card controls and customizable spend limits to help you manage card use across your business.

How can I manage business card activity?

You can access your card through the SpendTrack^™ application to review balances, monitor card activity, and manage your card alongside the rest of your business banking.

What security features are included?

Southern Growth Rewards includes tap-to-pay functionality, EMV chip technology, and Visa Zero Liability protection for unauthorized transactions, subject to applicable Visa terms.

Is Southern Growth Rewards a credit card for small businesses?

Southern Growth Rewards is designed for business owners looking for a business credit card that combines rewards with tools to help manage day-to-day spending, including employee card controls, customizable spend limits, and expense management features.

Can I combine rewards points across business cards?

Yes. SpendTrack^™ allows you to pool points across eligible registered accounts and cards, giving you more flexibility in how you earn and redeem rewards for your business.

Put More Value Behind Every Business Purchase

Earn rewards, manage spending with greater control, and enjoy no annual fee with a business credit card backed by Southern Bank.

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