Personal Credit Cards

We make it easy for you to pick the credit card that is right for you. You will have two different options available and 3 cards to choose from to fit your needs.

  • VISA Classic Card (credit limits $1,000.00 - $5,000.00)
  • VISA Platinum Card (credit limits $5,000.00 - $10,000.00)
  • Gold MasterCard (credit limits $2,000.00 - $10,000.00)

Low Rate Card

Benefits / Features

  • Low introduction rate at 2.90% for the first 6 months
  • Very competitive ongoing annual percentage rate (APR)*
  • No annual fee
  • 25 day grace period on all purchases
  • Online account information available 24/7 at www.cardaccount.net
  • Rental car collision damage waiver protection
  • Cash advances can be made for up to 50% of the approved credit line

Preferred Points Card

Benefits / Features

  • Earn one point for each dollar spent, up to 10,000 points per month
  • Exchange your points for cash-back awards, retail gift cards, travel and the choice of Electronics like digital cameras, flat screen televisions sets, or pick other items like BBQ gas grills, golf clubs, Samsung blu-ray players and many more products
  • Low introduction rate of 2.90% for the first 6 months
  • Very competitive ongoing annual percentage rate (APR)*
  • No Annual Fee
  • 25 day grace period on all purchases
  • Online account information available 24/7 at www.cardaccount.net
  • To view or exchange your points, visit www.mypreferredpoints.com or call 866-678-5191

To Apply Now

  • Download the PDF version of the application
  • Print off the application and complete using a blue or black pen.
  • Paper application are also available at our three banking centers
  • Fax your completed application to one of our three branches or to Card Service Center at 972-650-7054
  • Mail your completed application to Card Service Center, PO Box 569120 Dallas, Texas 75356-9120

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