Personal Credit Cards

Choose either a Low Rate or earn Rewards - it's your choice. Both cards have no annual fee.

The Details Low Rate Card1 Preferred Points Card1
Best For Best for customers who prefer a low APR2 and are not interested in earning points for purchases. Available to all applicants in either a Visa or MasterCard.* Best for customers who want to earn points for purchases and are willing to pay a slightly higher APR to do so. Available to all applicants in either a Visa or MasterCard.*
Added Benefits Visa Benefits of rental car collision damage waiver protection; Gold MasterCard Benefits of rental car collision damage waiver protection and travel insurance. Visa Benefits of rental car collision damage waiver protection; Gold MasterCard Benefits of rental car collision damage waiver protection and travel insurance. Earn one point for each dollar spent up to 10,000 points per month. 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

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

1. Low Rate and Preferred Points consumer products include Gold MasterCard, Visa Classic, and Visa Platinum cards.

2. 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 Bank. 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%.

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