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.

The Details MasterCard® 
Low Rate Card
Mastercard® Preferred Points 
& World Card
Best For Best for customers who prefer a low APR1 and are not interested in earning points for purchases.  Best for customers who want to earn points for purchases and are willing to pay a slightly higher APR1 to do so. 
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
  • Unlike some card offers, the APR1 for purchases and cash advances is the same
  • Earn one reward point for each dollar spent, up to 10,000 points per month
  • 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
  • Unlike some card offers, the APR1 for purchases and cash advances is the same
Benefits
  • Travel accident insurance
  • Baggage delay insurance
  • Car rental collision damage waiver
  • Purchase protection
  • Travel and roadside assistance
  • Extended warranty
  • Travel accident insurance
  • Baggage delay insurance
  • Car rental collision damage waiver
  • Purchase protection
  • Travel and roadside assistance
  • Extended warranty
  • Concierge service2
  • Points can be redeemed for cash back, travel, merchandise, and retail gift cards
Customer Service3

Online Account Access

Cardholder Customer Service: 800-367-7576

Online Account Access

Cardholder Customer Service: 800-367-7576

Apply

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Fees For Credit Card Products: Late Payment: Up to $25, Returned Payment: Up to $25, Agent Assisted Pay-by-Phone: Up to $10, Cash Advance Fee: 3% of the Cash Advance Amount, subject to a minimum fee of $10.

1. 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%.

2. Concierge Services available with World MasterCard only. 

3. Cards serviced by TIB - The Independent Bankers Bank, Dallas, TX.