Personal Credit Cards | NC Bank Credit Card Rates | Peoples Bank

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.

Personal Card - Low Rate Benefits and Features

No annual fee

Low introductory rate for the first six months*

Competitive ongoing APR*

25-day interest-free grace period on all purchases; no grace period on cash advances

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 (listed below)

Unlike some card offers, the APR* for purchases and cash advances is the same; we do not charge a higher rate for cash advances

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

Personal Card - World/Preferred Points Rewards Benefits and 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*

Competitive ongoing APR*

No annual fee

25-day interest-free grace period on all purchases; no grace period on cash advances

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 (listed below)

Unlike some card offers, the APR* for purchases and cash advances is the same; we do not charge a higher rate for cash advances

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

Extraordinary Benefits with MasterCard

Concierge Service**

Price Protection

Baggage Delay Insurance

Car Rental Collision Damage Waiver Insurance

Extended Warranty
Travel Assistance

Roadside Assistance

Purchase Assurance

Travel Accident Insurance

How to Apply

Download the application: Personal Credit Card Application (PDF download)

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

Customer Support

24-hour toll-free live customer assistance available at 800-367-7576

*Please see application for information about current APRs and fees
**Concierge services available with World MasterCard only

Equal Opportunity Lender