Preferred Points Credit Card
The Preferred Points card is available to all applicants
in both Visa and
of 2.9% for the first 6 months.
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
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
www.mypreferredpoints.com or call
Fees for All Card Products
$25 NSF Fee: $25 Agent Assisted Pay-by-Phone:
Cash Advance Fee:
3% of the Cash Advance Amount, subject to a minimum fee
International Transaction Fee:
2% of the U.S. dollar amount of the transaction
converted from the foreign currency.
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.
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%.