Consumer Credit Cards

Low Rate Card

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 or balance transfers.

Benefits

• 24-hour toll-free live customer assistance available at (800) 367-7576.
• Online account information available 24/7 at www.cardaccount.net.
• Rental car collision damage waiver protection and a host of extraordinary MasterCard® benefits.
• 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 PDF.

World / Preferred Points Rewards Card

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 or balance transfers.

Benefits

• Redeem your rewards points for cash-back awards, retail gift cards, travel and a wide variety of merchandise including cameras, mp3 players, 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 www.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 www.cardaccount.net.
• Rental car collision damage waiver protection 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.

To Apply Now

• Access the online application here.
• Download the PDF of the application PDF.
• 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 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

¹Please see application for information about current APRs and fees.
²Concierge Services available with World MasterCard® only.