We make it easy to choose the credit card that is right for you – Low Rate or Preferred Points Rewards.

Personal Card – Low Rate 

Features

• No annual fee.
• Low introductory rate for the first six months.¹
• Competitive ongoing APR. ¹
• 25-day interest-free grace period on all purchases. No grace period on cash advances.
• Online account information available 24/7 at cardaccount.net.

Benefits

• 24-hour toll-free live customer assistance available at 800-367-7576.
• Car rental insurance coverage and a host of extraordinary Mastercard^®
• Unlike some card offers, the APR¹ 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

Personal Card – 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. ¹
• Competitive ongoing APR. ¹
• No annual fee.
• 25-day interest-free grace period on all purchases. No grace period on cash advances.
• Online account information available 24/7 at cardaccount.net. 

Benefits

• Redeem your rewards points for cash-back awards, retail gift cards, travel and a wide variety of merchandise including cameras, 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 mypreferredpoints.com or call 866-678-5191.
• 24-hour toll-free live customer assistance available at 800-367-7576.
• Car rental insurance coverage and a host of extraordinary Mastercard benefits.
• Unlike some card offers, the APR ¹ 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 the PDF application. 
• Enter 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.

¹ Please see application for information about current APRs and fees.

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