Personal Credit Cards

Choose the card that is right for your business - Standard Card with no annual fee or the Preferred Points Rewards Card.

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.
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 (1) for purchases and cash advances is the same. We do not charge a higher rate for cash advances.
  • Airport Concierge. (2)
  • ID Theft Protection. (2)
  • Global Services. (2)
Fees
  • Other fees may be charged, these fees are listed on the Downloadable Application.

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

(2) Certain restrictions apply to each benefit detailed in the applicable benefits brochure received with new credit cards.

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 the 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.
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.
  • 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.
  • Airport Concierge. (2)
  • ID Theft Protection. (2)
  • Global Services. (2)
  • Cell Phone Coverage. (2)
  • Travel & Lifestyle Services. (2)
  • Online shopping/delivery discounts. (2)
Fees
  • Other fees may be charged, these fees are listed on the Downloadable Application.

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

(2) Certain restrictions apply to each benefit detailed in the applicable benefits brochure received with new credit cards.

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

Business Credit Cards

Choose the card that is right for your business - Standard Card with no annual fee or the Preferred Points Rewards Card.

Business Card - Standard Card

Features
  • No annual fee.
  • Competitive ongoing APR. (1)
  • 25-day interest-free grace period on all purchases. No grace period on cash advances.
  • Individual and summary billing options.
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.
  • ID Theft Protection.(2)
  • Global Service. (2)
  • Mobile Receipt Management. (2)
  • Easy Savings. (2)
Fees
  • Other fees may be charged, these fees are listed on the Downloadable Application.

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

(2) Certain restrictions apply to each benefit detailed in the applicable benefits brochure received with new credit cards.

Business Card - Preferred Points Rewards

Features
  • Earn one reward point for each dollar spent, up to 10,000 points per month.
  • Low annual fee of $49.00 per account.
  • Competitive ongoing APR. (1)
  • 25-day interest-free grace period on all purchases. No grace period on cash advances.
  • Individual billing option only.
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.
  • ID Theft Protection.(2)
  • Global Service. (2)
  • Mobile Receipt Management. (2)
  • Easy Savings. (2)
Fees
  • Other fees may be charged, these fees are listed on the Downloadable Application.

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

(2) Certain restrictions apply to each benefit detailed in the applicable benefits brochure received with new credit cards.

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

Supporting Documents for Your Card Application

Document Sole
Proprietor
Partnership Private
Corporation
Public
Corporation
Non-
Profit
Application * * * * *
Organizational Papers * * * * *
Borrowing Resolution * * * *
Financial Statements * * * *
Personal Guaranty * * *
Personal Tax Return * * *