Personal Solutions: Credit Cards

Access Your Account
Access Your Flex Miles
Application

Choose Your Card

We make it easy to choose the credit card that is right for you, whether you're looking for a card with reward options or no annual fee.

• Visa ^® Classic
• Visa ^®
• Gold MasterCard ^®

All three cards are available in two options: Low Rate Card or Preferred Points Card. These cards are accepted worldwide at businesses, financial institutions and ATMs.

Low Rate Card
Competitive interest rates after introductory period. See application for example.

Features and Benefits

• Easy to complete application.
• Lower interest rate/annual percentage rate (APR).
• Low introductory rate for first six months.
• APR after introductory period: Wall Street Journal Prime Rate (or 5%, whichever is higher). See application for example.
• Rental car collision damage waiver protection.
• Online account information available 24/7 at www.cardaccount.net
• 25-day interest-free grace period on all purchases. No grace period on cash advances.
• Cash advances can be made for up to 50% of the credit line.

Fees

• No annual fee.
• Other fees that may be charged, if applicable, are: an overlimit fee, late fee, NSF fee, agent assisted pay-by-phone fee, cash advance fee and balance transfer fee. These are listed on the downloadable application.

Preferred Points Card
Use your Preferred Points Card to earn points that you can redeem for cash back awards, retail gift cards, travel and a wide variety of merchandise including cameras, mp3 players, home theater systems and more. A brochure with more details is available at any of our banking locations.

Features and Benefits

• Low introductory rate for first six months.
• APR after introductory period:  Wall Street Journal Prime Rate + 8.9%. See application for example.
• Rental car collision damage waiver protection.
• Online account information available 24/7 at www.cardaccount.net
• Cash advances can be made for up to 50% of the credit line.
• Redeem points for rewards. Earn one point for each dollar spent, up to 10,000 points per month.
• To view or redeem rewards points, visit www.mypreferredpoints.com or call 1-866-678-5191.

Fees

• No annual fee.
• Other fees that may be charged, if applicable, are: an overlimit fee, late fee, NSF fee, agent assisted pay-by-phone fee, cash advance fee and balance transfer fee. These are listed on the downloadable application.

Apply Now!

• Apply now. Download the PDF of the application.
• Type the information and print it off (you cannot save, so print an extra copy for yourself) or print it off and complete it using a blue or black pen.
• Fax your completed application to our credit card processor at 972-716-7170.
• Or mail your completed application to:
  Card Services
  P.O. Box 679001
  Dallas, TX 75367-9001

Please see application for information about current APRs.