We Are Small Business Lending Experts! 
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.