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
  • No annual fee
  • Optional rewards programs
  • Low, competitive rates
  • Accepted worldwide
  • Enhanced security and fraud protection
  • Online statements and payments available
  • Friendly, personal customer service
  • 24-hour customer service
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 collision damage waiver protection 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 

Apply Now

Applying is easy! Just follow these few simple steps:

  1. Download the application (PDF)
  2. Fill out the application by typing your information
  3. 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.
  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.

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 collision damage waiver protection 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 or call 866-678-5191

Fees

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

Apply Now

Applying is easy! Just follow these few simple steps:

  1. Download the application (PDF)
  2. Fill out the application by typing your information
  3. 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.
  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.