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.

CUSTOMER SUPPORT

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

Personal Card – Low Rate

APPLY NOW

Features

  • No annual fee
  • Low introductory rate for the first six months¹
  • Competitive ongoing APR¹
  • 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 APR¹ for purchases and cash advances is the same; we do not charge a higher rate for cash advances

Fees

Personal Card – World/Preferred Points Rewards

APPLY NOW

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 months¹
  • Competitive ongoing APR¹
  • 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 APR¹ for purchases and cash advances is the same; we do not charge a higher rate for cash advances

Fees

¹Please see application for information about current APRs and fees
²Concierge services available with World MasterCard only

Extraordinary benefits with MasterCard

  • Concierge Service²
  • Price Protection
  • Baggage Delay Insurance
  • Car Rental Collision Damage Waiver Insurance
  • Extended Warranty
  • Travel Assistance
  • Roadside Assistance
  • Purchase Assurance
  • Travel Accident Insurance

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

Apply Now

  • 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