Personal Credit Card


We make it easy to choose the credit card that is right for you - Low Rate or Preferred Points Rewards. It’s the only card you need for everything you need to do. 

Low Rate

Features

  • No annual fee

  • Low introductory rate

  • Competitive ongoing APR*

  • 25-day interest-free grace period on all purchases. No grace period on cash advances

Benefits

  • 24-hour toll-free live customer assistance available at (800) 367-7576

  • Online account information available 24/7 at www.cardaccount.net

  • Rental car collision damage waiver protection and a host of extraordinary MasterCard® benefits

  • Unlike some card offers, the APR* for purchases and cash advances is the same. We do not charge a higher rate for cash advances

Fees

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

World/Preferred Points Rewards

Features

  • Earn points that you can redeem for rewards. Earn one point for each dollar spent, up to 10,000 points per month

  • Low introductory rate for first six months*

  • Competitive ongoing APR*

  • No annual fee

  • 25-day interest-free grace period on all purchases. No grace period on cash advances

Benefits

  • 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

  • To view or redeem rewards points, visit www.mypreferredpoints.com or call (866) 678-5191

  • 24-hour toll-free live customer assistance available at (800) 367-7576

  • Online account information available 24/7 at www.cardaccount.net

  • Rental car collision damage waiver protection and a host of extraordinary MasterCard® benefits (see benefits here)

  • Unlike some card offers, the APR* for purchases and cash advances is the same. We do not charge a higher rate for cash advances

Fees

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

To Apply Now

  • Download 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 (877) 809-9162

Or mail your completed application to:

Card Service Center
PO Box 569120
Dallas, TX 75356-9120


*APR = Annual Percentage Rate. Please see application for information about current APRs and fees.
**Concierge Services available with World MasterCard only.