Credit Cards

We make it easy to choose the credit card that is right for you, with three cards to choose from. All three cards are available in two options, Low Rate Card or Preferred Points Card.

  • Visa® Classic
  • Visa® Platinum
  • Gold MasterCard®


Personal Card Low Rate

Benefits

  • Competitive annual percentage rate (APR).*
  • 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.
  • Unlike some card offers, the APR* for purchases and cash advances is the same. We do not charge a higher rate for cash advances.


Features

  • No annual fee.
  • Low introductory rate for the first six months.*
  • Competitive ongoing APR.*
  • 25-day interest-free grace period on all purchases. No grace period on cash advances.


Fees

  • Other fees may be charged, these fees are listed on the downloadable application.


Personal Card Preferred Points

Benefits

  • Use your Preferred Points Card to earn points that you can redeem for rewards.  Earn one point for each dollar spent, up to 10,000 points per month.
  • 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.
  • 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.
  • Unlike some card offers, the APR* for purchases and cash advances is the same. We do not charge a higher rate for cash advances.


Features

  • No annual fee.
  • Low introductory rate for first six months.*
  • Competitive ongoing APR.*
  • 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.
  • To view or redeem rewards points, visit www.mypreferredpoints.com or call 866-678-5191.


Fees

   

To Apply Now

  • 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 972-650-7054.


Or mail your completed application to:
Card Service Center
PO Box 569120
Dallas, TX 75356-9120
*Please see application for information about current APRs and fees.

Cards are subject to credit approval. The creditor and issuer of these cards is TIB – The Independent Bankers Bank pursuant to a license from VISA.

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