CREDIT CARDS

Personal Credit Cards

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 card

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.  (see below)
- 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.

world/Preferred points rewards card

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.

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 below)
- 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.
Extraordinary benefits with MasterCard® including:

Concierge Service (2), Price Protection, Baggage Delay Insurance, Car Rental Collision Damage Waiver Insurance, Extended Warranty, Travel Assistance, Roadside Assistance, Purchase Assurance, and Travel Accident Insurance 

Certain restrictions apply detailed in the applicable benefits brochure received with new credit card. 

Business Credit Cards

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

Fees:

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

Preferred points rewards card

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. (see below)
Fees:

- Other fees may be charged, these fees are listed on the downloadable application.
Extraordinary benefits with MasterCard® including:

Car Rental Collision Damage Waiver Insurance, Extended Warranty,  Purchase Protection, Travel Accident Insurance, Travel Assistance, Roadside Assistance, and Baggage Delay Insurance. 

Certain restrictions apply detailed in the applicable benefits brochure received with new credit card. 

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


(1) Please see application for information about current APRs and fees.
(2) Concierge Services available with World MasterCard only.

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