Low Rate Credit Card

Low Rate Credit Card Benefits and Features

  • No annual fee
  • Low introductory interest rate for the first six months*
  • Competitive 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 or our mobile app for iOS or Android
  • 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 our personal credit card application (PDF)

Personal credit cardholders receive a variety of exceptional benefits including the following:

Mobile Payments: Use your compatible Apple or Samsung device to shop and check out wherever mobile payment logos are displayed. All Mastercard cards can now be easily linked to an Apple or Samsung device to pay at retailers everywhere.

Airport Concierge: Enjoy savings on Airport Meet and Greet Services. Arrange for a dedicated Meet and Greet Agent at over 700 airport destinations worldwide. Certain airports include expedited security and immigration services.**

Rental Car Insurance: Pays for covered damages (physical damage and theft) to a rental vehicle when your eligible card is used to initiate and pay for the entire rental transaction.

Global Service: Provides 24-hour global assistance with lost or stolen card replacement and emergency cash. Toll-free numbers for assistance can be found at www.mastercard.com or by calling 636-722-7111.

Travel & Lifestyle Services: Access to a suite of benefits, amenities and upgrades including premium travel offers from best-in-class travel companies. Whether you are planning a last minute vacation or your dream getaway, a lifestyle manager will assist you at your convenience 24 hours a day. Plus, take advantage of the lowest hotel rate guarantee and hotel stay guarantee.

One Fine Stay: Access to over 10,000 high-end rental homes around the world stocked with fine linens, towels and toiletries. Receive a discount on all stays and free WiFi and a complimentary cell phone to use during your stay with free data and local calls.

Postmates: Food, drinks and groceries available for delivery or pickup in over 650 cities across the U.S. and Mexico! Save time and money shopping.

ShopRunner: Free 2-day online shipping and returns at over 140 stores including Neiman Marcus, American Eagle, Calvin Klein, 1-800-Flowers, and more.

Certain restrictions apply to each benefit listed. Benefits are detailed in the applicable benefits brochure provided with new and reissued credit cards or call us at 800-443-2819.

How to Apply

Download our personal credit card application (PDF)

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