Credit Cards


Consumer Credit Card

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 months.1
  • Competitive ongoing APR. 1
  • 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®
  • Unlike some card offers, the APR1 for 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 months. 1
  • Competitive ongoing APR. 1
  • 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 including cameras, home theater systems, portable DVD players, sporting equipment, jewelry, luggage, electronics, video game equipment, gift cards and more.
  • To view or redeem rewards points, visit dreampoints.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 APR 1 for 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. 

To Apply Now


  • Download the Consumer PDF application.  Click Here 
  • Please print the application and complete using a blue or black pen. Paper applications are also available at our local branch office.
  • 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

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


Business Credit Card

Choose the card that is right for your business - Standard Card with no annual fee or the Preferred Points Rewards Card.

Business Card – Standard Card

 Features

  • No annual fee.
  • Competitive ongoing APR.1
  • 25-day interest-free grace period on all purchases. No grace period on cash advances.
  • Individual and summary billing options.

 Benefits

  • 24-hour toll-free live customer assistance available at 800-367-7576.
  • Online account information available 24/7 at cardaccount.net.
  • Car rental insurance coverage and a host of extraordinary Mastercard benefits.

 Fees

  • Other fees may be charged, these fees are listed on the downloadable application.


Business Card – Preferred Points Rewards Card

 

Features

  • Earn one reward point for each dollar spent, up to 10,000 points per month.
  • Low annual fee of $49.00 per account.
  • Competitive ongoing APR. 1
  • 25-day interest-free grace period on all purchases. No grace period on cash advances.
  • Individual billing option only.

 Benefits

  • Redeem your rewards points for cash-back awards, retail gift cards, travel and a wide variety of merchandise including cameras, home theater systems, portable DVD players, sporting equipment, jewelry, luggage, electronics, video game equipment, gift cards and more.
  • To view or redeem rewards points, visit dreampoints.com or call 866-678-5191.
  • 24-hour toll-free live customer assistance available at 800-367-7576.
  • Online account information available 24/7 at cardaccount.net.
  • Car rental insurance coverage and a host of extraordinary Mastercard benefits.

 Fees

  • Other fees may be charged, these fees are listed on the downloadable application. 

To Apply Now

  • Download the PDF of the application.  Click Here
  • Please print the application and complete using a blue or black pen.
  • Supporting documents vary depending on the type of business you have. See chart below.
  • Fax your completed application to the Card Service Center at 877-809-9162.

Sole Proprietor

Partnership

Private Corporation

Public Corporation

Non-Profit

Application

«

«

«

«

«

Organizational Papers

«

«

«

«

«

Borrowing Resolution


«

«

«

«

Financial Statements


«

«

«

«

Personal Guaranty

«

«

«



Personal Tax Return

«

«

«



Beneficial Ownership


«

«


«


Or mail your completed application to:


Card Service Center
PO Box 569120
Dallas, TX 75356-9120

 1Please see application for information about current APRs and fees.