Personal Credit Cards

We make it easy to choose the credit card that is right for you, with three cards to choose from, the Visa® Classic, the Visa® Platinum and the Gold MasterCard®.

All Cards Come With A Wide Range of Benefits

  • No annual fee
  • Low introductory rate for the first six months*
  • Competitive ongoing APR*
  • Cash advances can be made for up to 50% of the credit line
  • 24-hour toll-free live customer assistance available at 800.367.7576
  • Other fees may be charged and are listed on the downloadable application
  • Online account information available 24/7 at
  • Rental car collision damage waiver protection
  • Unlike some card offers, the APR* for purchases and cash advances is the same. We do not charge a higher rate for cash advances
  • If your payment gets to us a day or two late, don’t worry because we offer a little extra grace period, helping you avoid a late fee

All three cards come as a Low Rate Card or Preferred Points Card, your choice.

Low Rate Card

  • Competitive annual percentage rate (APR)*

Preferred Points Card

  • Use your Preferred Points Card to earn points that you can redeem for rewards
  • Earn one point for each dollar spent, up to 10,000 points per month
  • Redeem your rewards points for cash-back awards, retail gift cards, travel and a wide variety of merchandise
  • To view or redeem rewards points, visit or call 866.678.5191

*Please see application for information about current APRs and fees.

To Apply Now

  • Download the PDF of the application
  • Fax your completed application to the Card Service Center at 972.650.7054
  • Or mail your completed application to Card Service Center, PO Box 569120, Dallas, TX 75356-9120