Personal Credit Card

Choose the credit card that is right for you – Low Rate or Preferred Points Rewards.

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 cardaccount.net.
  • Rental car collision damage waiver protection 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.

Fees

Personal Card – World / 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 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 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.

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.
  • 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.
Insurance products are not deposits, not FDIC-insured, not insured or backed by any other government agency, not guaranteed by the bank, and may go down in value.
Cards are subject to credit approval.

Extraordinary benefits with Mastercard® including:

  • Concierge Service2
  • Price Protection
  • Baggage Delay Insurance
  • Car Rental Collision Damage Waiver Insurance
  • Extended Warranty
  • Travel Assistance
  • Roadside Assistance
  • Purchase Assurance
  • Travel Accident Insurance

Certain restrictions apply detailed in the applicable benefits brochure received with new credit card.