Business Credit Cards

Choose the card that's right for your business - Standard Card with no annual fee
or the Preferred Points Rewards Card. 

Business Card - Standard Card

Features
  • No Annual Fee
  • Competitive ongoing APR1
  • 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
  • Car rental insurance coverage and a host of extraordinary Mastercard® benefits
Fees
Other fees may be charged, these fees are listed on the downloadable application.

Business Card - 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 APR1
  • 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 
  • To view or redeem 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
  • Car rental insurance coverage and a host of extraordinary Mastercard® benefits
Fees
Other fees may be charged, these fees are listed on the downloadable application.

Apply Now

  1. Download the fillable PDF application.
  2. Type the information and then print, or print the blank application and complete it using blue or black ink. 
  3. Gather copies of business organizational papers and a current financial statement (for Sole Proprietors, provide a personal financial statement, and for other types of businesses, a financial statement for the business). After application is reviewed, additional documents may be requested. 
  4. Turn your completed application packet in at your local branch, fax to the Card Service Center at 877-809-9162 or mail to: 
    Card Service Center
    PO Box 569120
    Dallas, TX 75356-9120
 

Business Credit Cards serviced by The Independent Bankers Bank (TIB), Dallas, Texas.

Fees For Credit Card Products:  Late Payment: Up to $25, Returned Payment: Up to $25, Cash Advance Fee: 3% of the Cash Advance Amount, subject to a minimum fee of $10, International Transaction: 2% of each transaction in U.S. dollars.

* After introductory rate, the Annual Percentage Rate (APR) will vary based on changes in the Index (the National Prime Rate published in the Wall Street Journal). The Index will be adjusted on the 25th day of each month or the business day preceding the 25th day if that day falls on a weekend or a holiday recognized by the Federal Reserve System. Changes in the Index will take effect beginning with the first billing cycle in the month following a change in the Index. Increases or decreases in the Index will cause the APR and periodic rate to fluctuate, resulting in increased or decreased Interest Charges on the Account. The Account will never have an APR over 21%.

1.Please see application for information about current APRs and fees.