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Personal Credit Cards

We make it easy to choose the credit card that is right for you - Low Rate or Preferred Points Rewards. Either way, it's the only card you need for everything you need to do.
 

Low Rate Card 

 

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.
  • Car rental insurance coverage 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

 


World / Preferred Points Rewards Card

 

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 the 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, home theater systems, portable DVD players, sporting equipment, jewelry, luggage, electronics, video game equipment, gifts cards and more.
  • To view or redeem rewards points:
  • 24-hour toll-free live customer assistance available at 800-367-7576.
  • Online account information available 24/7 at www.cardaccount.net.
  • Car rental insurance coverage 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

 

 

To Apply Now

 
  1. Download the Application (PDF 215KB).
  2. Type the information and then print the application.
    • Or print it and complete using a blue or black pen.
  3. Fax your completed application to the Card Service Center at 877-809-9162.
 
Notes:
  • You cannot save the PDF document, so remember to print a copy for yourself.
  • Paper applications are available at McClain Bank locations.
  • You can also mail your completed application to:
Card Service Center
PO Box 569120
Dallas, TX 75356-9120
 
 
 
 
 
 
 
 
 
 
1 Please see application for information about current APRs and fees.