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Consumer Credit Cards

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.

How To Apply For A Credit Card

Low Rate Personal Card

Features

  • No annual fee
  • Low introductory rate for the first six months1
  • Competitive ongoing APR1
  • 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 800-447-1688
  • Online account information available 24/7 at cardaccount.net
  • 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
  • Apple Pay is available on your iPhone 6 and other compatible Apple devices to shop and check out wherever the Apple Pay logo is displayed. All our MasterCard® and Visa® consumer cards can be easily linked to an Apple device to “tap and pay” at hundreds of retailers

Extraordinary benefits with Mastercard® including:

  • Airport Concierge
  • ID Theft Protection
  • Global Services
  • Cell Phone Coverage*
  • Travel & Lifestyle Services*
  • Online shopping/delivery discounts*

Fees

  • Other fees may be charged and fees are listed on the application

Preferred Point Rewards Personal 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 months1
  • Competitive ongoing APR1
  • 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 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
  • Car rental insurance coverage 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 and fees are listed on the application

*Mastercard World cardholders only

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

Main Office

101 E. Bridge St.
Granbury, TX 76048

(817) 573-2655
Toll Free (800) 447-1688

FDIC Equal Housing Lender

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