Consumer Credit Cards

 
Let us help you achieve your financial goals with various credit card options. Accumulate rewards points, secure a low APR to consolidate your credit card debt or start building your credit score if you're a college student. We have the right credit card for you.

All cards are available in both Visa or MasterCard.

Low Rate Credit Card

The Low Rate card is available to all applicants for both Visa and MasterCard.  Rewards points are not available
for this card product.1

  No Annual Fee

  Ongoing APR of Prime + 6.99%2

 


 
Intro Rate of 2.9% for the first 6 months.

 
25 day Grace Period on all purchases.
    No grace period for cash advances or cash equivalent transactions.
 

  Visa Benefits of rental car collision damage waiver protection; GoldMasterCard Benefits
   
of rental car collision damage waiver protection and travel insurance.


 
Online account access and management available at www.cardaccount.net.
 


Preferred Points Credit Card

The Preferred Points card is available to all applicants in both Visa and MasterCard.1
 

  Intro Rate of 2.9% for the first 6 months.

 
Ongoing APR of Prime + 11.99%2

 
No Annual Fee

 
25 day Grace Period on all purchases. No grace period for  
   cash advances or cash equivalent transactions.

  Visa Benefits of rental car collision damage waiver protection; GoldMasterCard Benefits of rental car    
    collision damage waiver protection and travel insurance. Earn one point for each dollar spent up to 10,000 
    points per month. Points can be redeemed for cash back, travel, merchandise, and retail gift cards.


 
Online account access and management available at www.cardaccount.net. To view or redeem rewards
    points visit www.mypreferredpoints.com or call 866-678-5191.

 


Fees for All Card Products

Late Fee:
$25 NSF Fee: $25 Agent Assisted Pay-by-Phone: $10

Cash Advance Fee: 3% of the Cash Advance Amount, subject to a minimum fee of $10.

International Transaction Fee: 2% of the U.S. dollar amount of the transaction converted from the foreign currency.

  1. The Low Rate consumer products include Gold MasterCard, Visa Classic, and Visa Platinum cards. The Standard and
    Preferred Points business products are only available for Visa Business cards.
     

  2. After introductory rate, the Annual Percentage Rate (APR) will vary based on changes in the Index (the National Prime Rate published in the Wall Street Journal). The Index will be adjusted on the 25th day o f each month o r the business day preceding the 25th day if that day falls on a weekend o r a holiday recognized by the Federal Reserve Bank. Changes in the Index will take effect beginning with the first billing cycle in the month following a change in the Index. Increases or decreases in the Index will cause the APR and periodic rate to fluctuate, resulting in increased or decreased Interest Charges on the Account. The Account will never have an APR over 21%.