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

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
  • Car rental insurance coverage and a host of extraordinary Mastercard® benefits
  • Unlike some card offers, the APRfor 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. 
 

Personal Card World/Preferred Points Rewards

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
  • 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
  • Car rental insurance coverage and a host of extraordinary Mastercard® benefits
  • Unlike some card offers, the APRfor 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. 
 

Apply Now

  1. Download the PDF application
  2. Type the information and then print, or print and then complete the application using blue or black ink
  3. Turn your completed application in at your local branch, 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

 

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.  

Tools & Applications