Personal Credit Cards

Credit Cards

Boost your purchasing power with a card that's accepted almost everywhere.

Summary

Our Mastercard® credit cards give you the purchasing power you need, wherever you are. Enjoy no annual fees — and choose between two cards that offer a competitive rate and plenty of perks. Download the application and apply today!*

Low Rate Card

Benefits

  • No annual fee
  • Low introductory rate for the first 6 months*
  • Competitive ongoing APR*
  • 25-day interest-free grace period on all purchases (no grace period on cash advances)
  • 24/7 toll-free assistance (available at 800-367-7576)
  • 24/7 online account information available at www.cardaccount.net
  • Rental car collision damage waiver protection
  • APR* for purchases and cash advances are the same

Fees

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

Preferred Points Card

Benefits

  • No annual fee
  • Low introductory rate for first 6 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
  • Earn points that you can redeem for valuable rewards (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
  • 24/7 toll-free assistance (available at 800-367-7576)
  • 24/7 online account information available at www.cardaccount.net
  • Rental car collision damage waiver protection
  • APR* for purchases and cash advances are the same

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

Fees

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

To Apply Now

  • Download the PDF 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

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