Personal Credit Cards

Shop freely with the power of a credit card in your hands. We offer several options so you can choose the card that meets your needs. Reach out to us to find out more and start the application process!

Low-Rate Card

Exclusive Feature

• Lower, competitive annual percentage rate (APR). 
• No Annual Fee.            

World/Preferred Points Card

Exclusive Features

• Earn one point for each dollar spent, up to 10,000 points per month.
• Redeem rewards points for cash-back awards, retail gift cards, travel and a wide variety of merchandise.
• To view or redeem points, visit www.mypreferredpoints.com or call 866-678-5191.

Benefits Available to Both Card Types

• Low introductory rate for first six months.¹
• Competitive ongoing APR.
• Rental car collision and other MasterCard benefits.
• 25-day interest free grace period on all purchases (no grace period on cash advances).
• 24 hours, toll free, live customer assistance available at 800.367.7576.
• Online account information available 24/7.
• EMV chip card.
• Apple Pay and Samsung Pay compatible.

Submit the completed application by:

• Apply Online https://www.cardaccount.net/application/1f737a4779/consumer/new
• Fax to Card Service Center at 877.809.9162.
• Mail to Card Service Center at PO Box 569120, Dallas TX 75356-9120
• Email it to [email protected], or
• Bring it in to one of our branch locations and we will submit it for you!