PERSONAL CREDIT CARDS

We make it easy to choose the credit card that is right for you, with three cards to choose from. All three cards are available in two options, Low Rate Card or Preferred Points Card.

• Visa® Classic
• Visa® Platinum
• Gold MasterCard®

Personal Card – Low Rate

Benefits

• Competitive annual percentage rate (APR).*
• 24-hour toll-free live customer assistance available at 800-367-7576.
• Online account information available 24/7 at cardaccount.net.
• Rental car collision damage waiver protection.
• Unlike some card offers, the APR* for purchases and cash advances is the same. We do not charge a higher rate for cash advances.
• If your payment gets to us a day or two late, don’t worry because we offer a little extra grace period, helping you avoid a late fee.

Features

• No annual fee.
• Competitive ongoing APR.*
• 25-day interest-free grace period on all purchases. No grace period on cash advances.
• Cash advances can be made for up to 50% of the credit line.

Fees

• Other fees may be charged, these fees are listed on the downloadable application.

Personal Card – Preferred Points

Benefits

• Use your Preferred Points Card to earn points that you can redeem for rewards. Earn one point for each dollar spent, up to 10,000 points per month.
• Redeem your rewards points for cash-back awards, retail gift cards, travel and a wide variety of merchandise including cameras, mp3 players, home theater systems, portable DVD players, sporting equipment, jewelry, luggage, electronics, video game equipment, gift cards and more. A brochure with more details is available at our local branch office.
• 24-hour toll-free live customer assistance available at 800-367-7576.
• Online account information available 24/7 at cardaccount.net.
• Rental car collision damage waiver protection.
• Unlike some card offers, the APR* for purchases and cash advances is the same. We do not charge a higher rate for cash advances.
• If your payment gets to us a day or two late, don't worry because we offer a little extra grace period, helping you avoid a late fee.

Features

• No annual fee.
• Low introductory rate for first six months.*
• Competitive ongoing APR.*
• 25-day interest-free grace period on all purchases. No grace period on cash advances.
• Cash advances can be made for up to 50% of the credit line.
• To view or redeem rewards points, visit mypreferredpoints.com or call 866-678-5191.

Fees

• Other fees may be charged, these fees are listed on the downloadable application.

To Apply Now

• Click to Download the PDF of the application.
• Type the information and then print the application (you cannot save the document, so print an extra copy for yourself), or print it and then complete it using a blue or black pen. Paper applications are also available at our local branch office.
• Fax your completed application to the Card Service Center at 972-650-7054.

Or mail your completed application to:
Card Service Center
PO Box 569120
Dallas, TX 75356-9120
*Please see application for information about current APRs and fees.











BUSINESS CREDIT CARDS

We make it easy to choose the credit card that is right for you. Our Business Visa® Card is available in two options, Standard Card with no annual fee or the Preferred Points Card.

Business Card – Standard Card

Benefits

• 24-hour toll-free live customer assistance available at 800-367-7576.
• Online account information available 24/7 at cardaccount.net.
• Rental car collision damage waiver protection.

Features

• No annual fee.
• Competitive ongoing APR.*
• 25-day interest-free grace period on all purchases. No grace period on cash advances.
• Individual and summary billing options.

Fees

• Other fees may be charged, these fees are listed on the downloadable application.

Business Card – Preferred Points

Benefits

• Use your Preferred Points Card to earn points that you can redeem for rewards. Earn one point for each dollar spent, up to 10,000 points per month.
• Redeem your rewards points for cash-back awards, retail gift cards, travel and a wide variety of merchandise including cameras, mp3 players, home theater systems, portable DVD players, sporting equipment, jewelry, luggage, electronics, video game equipment, gift cards and more. A brochure with more details is available at our local branch office.
• 24-hour toll-free live customer assistance available at 800-367-7576.
• Online account information available 24/7 at cardaccount.net.
• Rental car collision damage waiver protection.

Features

• Low annual fee of $49.00 per account.
• Low introductory rate for first six months.*
• Competitive ongoing APR.*
• 25-day interest-free grace period on all purchases. No grace period on cash advances.
• To view or redeem rewards points, visit mypreferredpoints.com or call 866-678-5191.
• Individual billing option only.

Fees

• Other fees may be charged, these fees are listed on the downloadable application.

To Apply Now

• Click H E R E to Download the PDF of the application.
• Type the information and then print the application (you cannot save the document, so print an extra copy for yourself), or print it and then complete it using a blue or black pen.
• Supporting documents vary depending on the type of business you have. Click H E R E for explanation.
• Fax your completed application to the Card Service Center at 972-650-7054.

Or mail your completed application to:

Card Service Center
PO Box 569120
Dallas, TX 75356-9120
*Please see application for information about current APRs and fees.