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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.


Low-Rate Card

Features

  • Available to all applicants for both Mastercard® and Visa.®
  • No annual fee.
  • Low introductory rate of 2.9% for the first six months.
  • Ongoing APR of Prime +6.99%2
  • 25-day interest-free grace period on all purchases. No grace period on cash advances.

Benefits

  • Mastercard® Platinum benefits include extended warranty protection, travel accident insurance, rental car collision damage waiver protection, and more.
  • Visa® Platinum benefit of rental car collision damage waiver protection.3
  • Online account information available 24/7 at www.cardaccount.net.
  • 24-hour toll-free live customer assistance available at 800-367-7576.

Fees


Preferred Points Card

Features

  • Available to all applicants for both Mastercard® and Visa.®
  • No annual fee.
  • Low introductory rate of 2.9% for the first six months.
  • Ongoing APR of Prime +11.99%2
  • 25-day interest-free grace period on all purchases. No grace period on cash advances.

Benefits

  • Mastercard® Platinum benefits include extended warranty protection, travel accident insurance, rental car collision damage waiver protection, and more.
  • Visa® Platinum benefit of rental car collision damage waiver protection.
  • Earn one point for each dollar spent up to 10,000 per month. Points can be redeemed for cash back, travel, merchandise, and retail gift cards.3
  • 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.

Fees


Personal World Card

Features

  • Available to all applicants for Mastercard®.
  • No annual fee.
  • Low introductory rate of 2.9% for the first six months.
  • Ongoing APR of Prime +11.99%2
  • 25-day interest-free grace period on all purchases. No grace period on cash advances.

Benefits

  • Mastercard® Platinum benefits include extended warranty protection, travel accident insurance, rental car collision damage waiver protection, and more.
  • Earn one point for each dollar spent up to 10,000 per month. Points can be redeemed for cash back, travel, merchandise, and retail gift cards.3
  • 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.

Fees

To Apply

Apply Online Now

OR

  • 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

Disclosures

1 The Employee, Preferred Points, and Low Rate consumer products include Mastercard Platinum and Visa Platinum cards; World card is only available for Mastercard and includes Preferred Points rewards. The Standard and Preferred Points business products include Mastercard and Visa Business cards.

2 After the introductory rate, the Annual Percentage Rate (APR) will vary based on changes in the Index, the Prime Rate (the base rate on corporate loans posted by at least 70% of the ten largest U.S. banks) published in the Wall Street Journal. The Index will be adjusted on the 25th day of each month or the business day preceding the 25th day if that day falls on a weekend or a holiday recognized by the Board of Governors of the Federal Reserve System. Changes in the Index will take effect beginning with the first billing cycle in the month following a change in the Index. Increases or decreases in the Index will cause the APR and periodic rate to fluctuate, resulting in increased or decreased Interest Charges on the Account. The Account will never have an APR over 21%.

3 Additional information about Mastercard and Visa cardholder benefits are provided on TIB Benefits Charts.

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