We make it easy to choose the credit card that is right for you - Low Rate or Preferred Points. It's the only card you need for everything you need to do.
Consumer 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.
When you’re ready to apply, click on the below link to download our application PDF, fill it out and bring it by our office.
Consumer Credit Card Application
Consumer 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.mypreferredpoints.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.
When you’re ready to apply, click on the above link to download our application PDF, fill it out and bring it by our office.
1Please see application for information about current APRs and fees
2Concierge Services available with World MasterCard only.
The issuer and administrator or the credit card program is TIB The Independent Bankers Bank, N.A.
