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Consumer Credit Cards Built for Everyday Spending Needs
Choose a consumer credit card that fits your spending style and budget. Plains State Bank offers low-rate and rewards options for Houston customers.
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.
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. We do not charge a higher rate for cash advances.
Fees
- Other fees may be charged, these fees are listed on the downloadable application.
Extraordinary benefits with Mastercard® including:
- Rental Car Insurance
- Airport Concierge
- ID Theft Protection
- Global Services
- Cell Phone Coverage *
- Travel & Lifestyle Services *
- Online shopping/delivery discounts *
Certain restrictions apply detailed in the applicable benefits brochure received with new credit card.
* Mastercard World cardholders only
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 www.dreampoints.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. We do not charge a higher rate for cash advances.
Fees
- Other fees may be charged, these fees are listed on the downloadable application.
Too Apply Now
- Download the PDF application.
- 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 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.
Choosing the Right Credit Card in Houston
A credit card should make everyday purchases easier, not more complicated. Whether you want a low interest rate or the ability to earn rewards, Plains State Bank offers consumer credit cards designed to fit your lifestyle.
Our credit cards are built for real-world use. They provide simple terms, competitive rates, and reliable customer support. For Houston customers who value local banking with trusted service, our cards offer flexibility and peace of mind.
Both card options are accepted anywhere Mastercard is recognized, making them easy to use for shopping, travel, and daily expenses. With online access and 24-hour support, managing your account is always within reach.
Credit Card Options That Fit Your Needs
Plains State Bank offers two personal credit card options. A low-rate card is ideal if you want to keep interest costs down and carry a balance from time to time. A rewards card is better suited for customers who want to earn points on everyday purchases.
Both options include no annual fee and competitive introductory rates. You also benefit from a generous grace period on purchases and consistent APRs across purchases and cash advances. These features help keep your credit card predictable and easier to manage.
Cardholders also receive access to Mastercard benefits, including rental car coverage, identity protection, and travel-related services. Select cards may include added perks like cell phone protection and lifestyle benefits.
Why Choose a Plains State Bank Credit Card
When you choose a credit card from Plains State Bank, you get more than just purchasing power. You receive local support from a bank that understands the Houston community and values personal service.
Our credit cards come with clear terms, easy-to-use online account access, and live customer assistance available at all times. This combination helps you stay informed and in control of your spending.
Frequently Asked Questions
Who Can Apply for a Consumer Credit Card?
Consumer credit cards are available to individuals who meet credit approval requirements. Applications are subject to review.
Are There Annual Fees?
No. Both personal credit card options are offered with no annual fee.
Can I Earn Rewards on Purchases?
Yes. The Preferred Points Rewards card allows you to earn points for every dollar spent, up to monthly limits.
How Do I Manage My Account?
You can view balances, transactions, and statements online at any time using the card account website.
Is Customer Support Available?
Yes. Live customer assistance is available 24 hours a day through a toll-free support line.
How Do I Apply for a Credit Card?
You can download and complete a paper application, then submit it by fax or mail. Applications are also available at local branch locations.
Apply for a Plains State Bank Credit Card
Find a credit card that fits your spending habits and financial goals. Contact Plains State Bank or visit a Houston branch to learn more and start your application today.