Personal Credit Cards

In partnership with TIB The Independent Bankers Bank, N.A., we make it easy to choose the credit card that is right for you, with three cards to choose from. All three cards are available in two options, Low Rate Card or Preferred Points Card.

1.  MasterCard® Platinum
2.  World MasterCard®
3.  Visa® Platinum

Credit cards are issued, owned, and serviced by TIB The Independent Bankers Bank, N.A.. All credit cards are subject to credit approval by TIB The Independent Bankers Bank, N.A..

PERSONAL CARD – LOW RATE

Benefits

• Competitive annual percentage rate (APR).*
• 24-hour toll-free live customer assistance available at 800.367.7576.
• Online account information available 24/7 at cardaccount.net.
• Customizable text or email Card Alerts for an additional level of security
• Unlike some card offers, the APR* for purchases and cash advances is the same. TIB does not charge a higher rate for cash advances.*
• MasterCard® Platinum Benefits include extended warranty protection, travel accident insurance, rental car collision damage waiver protection and more. Visa® Platinum Benefit of rental car collision damage waiver protection.

Features

• No annual fee.*
• Competitive ongoing APR.*
• 25-day interest-free grace period on all purchases.* No grace period on cash advances.*

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

Fees

• Other fees may be charged. These fees are listed on the application. 

Application Form

---

PERSONAL CARD – PREFERRED POINTS

Benefits

• 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.
• MasterCard® World Benefits include concierge services, extended warranty protection, travel accident insurance, rental car collision damage waiver protection and more. Earn one point for each dollar spent up to 10,000 per month. Points can be redeemed for cash back, travel, merchandise, and retail gift cards.
• MasterCard® Platinum Benefits include extended warranty protection, travel accident insurance, rental car collision damage waiver protection and more. Visa® Platinum Benefit includes rental car collision damage waiver protection. Earn one point for each dollar spent up to 10,000 per month. Points can be redeemed for cash back, travel, merchandise, and retail gift cards.
• 24-hour toll-free live customer assistance available at 800-367-7576.
• Online account information available 24/7 at cardaccount.net.
• Customizable text or email Card Alerts for an additional level of security
• Unlike some card offers, the APR* for purchases and cash advances is the same. TIB does not charge a higher rate for cash advances.*

Features

• No annual fee.*
• Competitive ongoing APR.*
• 25-day interest-free grace period on all purchases.* No grace period on cash advances.*
• Cash advances can be made for up to 50% of the credit line.
• To view or redeem rewards points, visit preferredpoints.com or call 866.678.5191.
• * Please see the application for information about current APRs and fees.

Fees

• Other fees may be charged. These fees are listed on the application.

Application Form