A person using a credit card to pay for their purchase

Credit Cards

We make it easy to choose the right credit card for you or your business.

With different options to choose from, we make it easy to get the low rates or reward points you want.
Personal - Low Rate
  • 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.
Low Rate Details
Personal - World/Preferred Points Rewards 
  • Earn points that you can redeem for rewards. Earn one point for each dollar spend, up to 10,000 points per month.
  • Low introductory rate for the first six months.2
  • Competitive ongoing APR.2
  • No annual fee.
  • 25-day interest-free period on all purchases. No grace period on cash advances.
World/Preferred Points Rewards  Details
Business - Standard
  • No annual fee.
  • Competitive ongoing APR.3
  • 25-day interest-free grace period on all purchases. No grace period on cash advances.
  • Individual and summary billing options.
Standard Details
Business - Preferred Points Rewards
  • Earn one reward point for each dollar spent, up to 10,000 points per month.
  • Low annual fee of $49.00 per account.
  • Competitive ongoing APR.3
  • 25-day interest-free grace period on all purchases. No grace period on cash advances.
  • Individual and summary billing options.
Preferred Points Rewards Details
Business - Company Card
  • Low annual fee of $49.00 per account.4
  • Competitive ongoing APR.3
  • 25-day interest-free grace period on all purchases. No grace period on cash advances.
  • Individual and summary billing options.






















Ready to apply?

Fill out the application that fits your credit card needs and 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 75256-9120





1 We add 6.99% to the Prime Rate to determine the Annual Percentage Rate (APR) for purchases, balance transfers, and cash advances. The Account will never have an APR over 21%.

2 We add 11.99% to the Prime Rate to determine the Annual Percentage Rate (APR) for purchases, balance transfers,
and cash advances. The Account will never have an APR over 21%.
3 We add 10.99% to the Prime Rate to determine the Annual Percentage Rate (APR) for purchases, balance transfers, and cash advances. The Account will never have an APR over 21%.
4 Annual fee is waived in any year if you charged $500,000 or more to your Account in the prior year. The amount charged to your Account equals the aggregate of all amounts charged to the Individual billed account or to each Sub Account tied to a Summary Billing Account. If you will charge less than $500,000 per year then you will automatically be offered a Preferred Points Card. You understand and agree that the benefits of the Company Card are different than for a Preferred Points Card.