"Some reasons why we love Pony Express, fantastic service, very friendly staff who always greet you with a smile and hello, the staff knows you by name, always willing to answer any questions you have and treat you like you are important to them. We are so happy that we switched from a mega bank to Pony Express, there is no comparison. Love banking at Pony Express! Keep up the good work!"

Brenda Flickinger

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Credit Cards

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Since everyone's spending patterns are not the same, we make it easy to choose the credit card that is right for you: Low Rate or Preferred Points Rewards.

Details

How to Apply

1. Click here to use our electronic application or Download the application (PDF).

2. 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 any local branch.

3. Provide supporting documents if needed.

4. 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

 

Paper applications are also available at any local branch.

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

Low Rate Card
  • 24-hour toll-free live customer assistance available at 800-367-7576
  • Online account information available 24/7 at cardaccount.net
  • Rental car insurance coverage and a host of Mastercard® benefits
  • APR* for purchases and cash advances is the same

Features

  • No annual fee
  • Low introductory rate for the first six months*
  • Competitive ongoing APR*
  • 25-day interest-free grace period on all purchases; no grace period on cash advances

Fees

  • Other fees may apply; review the application for full product details 
Preferred Points Rewards Card
  • Redeem your rewards points for:
    • Cash-back awards
    • Gift cards
    • Travel
    • Merchandise
    • And more!
  • 24-hour toll-free live customer assistance available at 800-367-7576
  • Online account information available 24/7 at cardaccount.net
  • Rental car insurance coverage and other Mastercard benefits
  • APR* for purchases and cash advances is the same 

Features

  • Earn one point for each dollar spent, up to 10,000 points per month
  • No annual fee
  • Low introductory rate for first six months*
  • Competitive ongoing APR*
  • 25-day interest-free grace period on all purchases; no grace period on cash advances
  • View or redeem rewards points online at www.mypreferredpoints.com or call 866-678-5191

Fees

  • Other fees may apply; review the application for full product details

 

Apply Now