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Personal 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.

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. A higher rate is not charged for cash advances.

Fees

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

Personal Card – World / Preferred Points Rewards*

Features

  • No annual fee.
  • Low introductory rate for first six months. 1
  • Competitive ongoing APR. 1
  • 25-day interest-free grace period on all purchases. No grace period on cash advances.
  • Earn points that you can redeem for rewards. Earn one point for each dollar spent, up to 10,000 points per month.

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 APR 1 for purchases and cash advances is the same. A higher rate is not charged for cash advances.

Fees

  • Other fees may be charged, which are listed on the .

To Apply Now

  • .
  • Paper applications are also available at our Clinton office.
  • Fax or mail your completed application to the Card Service Center at 877-809-9162 or

            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.

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