We make it easy to choose the credit card that is right for you – Low Rate or Preferred Points Rewards. It’s the only card you need for everything you need to do.
Access your credit card account by logging in or call toll free 800-367-7576 for 24-hour toll free assistance
- Click the Apply Now button to download the PDF application.
- Type the information and then print the application (you cannot save the document, so print an extra copy for yourself), or print it and then complete it using a blue or black pen. Paper applications are also available at our local branch office.
- Bring your application into a branch or Fax your completed application to the Card Service Center at 877-809-9162 or email to [email protected].
| Consumer Benefit | Mastercard® World Card | Mastercard® Platinum Preferred Points Card | Mastercard® Low Rate Card | Visa® Platinum Preferred Points Card | Visa® Low Rate Card |
|---|---|---|---|---|---|
| Introductory Annual Percentage Rate (APR) | 2.9% for the first 6 months | 2.9% for the first 6 months | 2.9% for the first 6 months | 2.9% for the first 6 months | 2.9% for the first 6 months |
| Annual Percentage Rate (APR) | 20.49% 2 | 20.49% 2 | Prime + 6.99% 2 | 20.49% 2 | Prime + 6.99% 2 |
| Preferred Points Card Available | Included | Optional | | Optional | |
| Grace Period | 25 day on all purchases. No grace period for cash advances or cash equivalent transactions. | 25 day on all purchases. No grace period for cash advances or cash equivalent transactions. | 25 day on all purchases. No grace period for cash advances or cash equivalent transactions. | 25 day on all purchases. No grace period for cash advances or cash equivalent transactions. | 25 day on all purchases. No grace period for cash advances or cash equivalent transactions. |
| International Transaction Fee | 2% of the U.S. dollar amount of the transaction converted form the foreign currency | 2% of the U.S. dollar amount of the transaction converted form the foreign currency | 2% of the U.S. dollar amount of the transaction converted form the foreign currency | 2% of the U.S. dollar amount of the transaction converted form the foreign currency | 2% of the U.S. dollar amount of the transaction converted form the foreign currency |
| Late and NSF Fee 3 | $25 | $25 | $25 | $25 | $25 |
| Mobile Payments | |||||
| Airport Concierge | | |
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| Rental Car Insurance | |||||
| Identity Theft Protection | | |
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| Global Service | |||||
| Cell Phone Protection | | | |
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| Travel & Lifestyle Services | | | | |
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| One Fine Stay | | | | |
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| Postmates | | | | |
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| ShopRunner | | | | |
Preferred Point Rewards: Earn one point for each dollar spent, up to 10,000 points per month. Redeem anytime for a wide variety of options including cash back, travel, merchandise, retail gift cards, and much more. To redeem rewards
points visit www.mypreferredpoints.com or call 866-678-5191
Mobile Payments: Use your compatible Apple® or Samsung® device to shop and check out wherever mobile payment logos are displayed. All Mastercard® and Visa® consumer cards can now be easily linked to an Apple® or Samsung® device to pay at
retailers everywhere.
Airport Concierge: Enjoy Savings on Airport Meet and Greet Services. Arrange for a dedicated Meet and Greet Agent at over 700 airport destinations worldwide Certain airports include expedited security and immigration services.
Rental Car Insurance: Pays for covered damages (physical damage and theft) to a rental vehicle when you eligible card is used to initiate and pay for the entire rental transaction.
Identity Theft Protection: Be protected with ID Theft Resolution Services including online identity and monitoring, resolution services, credit bureau monitoring and more.
Global Service: Provides 24-hour global assistance with lost or stolen card replacement and emergency cash. Toll-free numbers for assistance can be found at www.mastercard.com or by calling 636-722-7111
Cell Phone Protection: Cell phone coverage for your personal cell against damage or theft provided you charge your monthly Cellular Wireless Bill to your credit card.
Travel & Lifestyle Services: Access to a suite of benefits, amenities and upgrades including premium travel offers from best-in-class travel companies. Whether you are planning a last minute vacation or your dream getaway, a lifestyle
manager will assist you at your convenience 24 hours a day. Plus, take advantage of Mastercard’s® lowest hotel rate guarantee and hotel stay guarantee.
One Fine Stay: Access to over 10,000 high-end rental homes around the world stocked with fine linens, towels and toiletries. Receive a discount on all stays and free WiFi and a complimentary cell phone to use during your stay with free
data and local calls.
Postmates: Food, drinks and groceries available for delivery or pickup in over 650 cities across the U.S. and Mexico. Save time and money shopping
ShopRunner: Free 2-day online shipping and returns at over 140 stores including Neiman Marcus, American Eagle, 1-800-Flowers, and more.
Certain restrictions apply to each benefit listed. Benefits are detailed in the applicable benefits brochure provided with new and reissued credit cards. For additional questions concerning card benefits call 800-443-2819.
1 Individual billing option only
2 After the Introductory rate, the Annual Percentage Rate (APR) will vary based on changes in the index (the base rate on corporate loans posted by at least 70% of the ten largest U.S. banks) published in the Wall Street Journal. The index will be adjusted on the 25th day of each month or the business day preceding the 25th day if that day falls on a weekend or a holiday recognized by the Board of Governors of the Federal Reserve System. 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%
3 Other fees may be charge, these fees are listed on the application
