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Consumer Credit Card

We make it easy to choose the credit card that is right for you: 1) Low Rate or 2) 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. 
  • 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.

Personal Card –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, 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.mypreferredpoints.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 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 (see below.)

To Apply Now 

  • Click Here to Download the PDF application.
  • 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

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