The flexibility you need, to pay for everything you want.

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’ll need for everything you need to do. 


Personal Card – Low Rate

Features include:

  • 25-day interest-free grace period on all purchases (No grace period on cash advances)
  • Competitive ongoing APR*
  • Low introductory rate for the first six months*
  • No annual fee

Benefits include:

  • 24-hour toll-free live customer assistance available at 800-367-7576
  • Online account information available 24/7 at cardaccount.net
  • Rental car collision damage waiver protection and a host of extraordinary MasterCard® benefits
  • Unlike some card offers, the APR* for purchases and cash advances is the same. We do not charge a higher rate for cash advances.

Fees: 

  • Other fees may be charged, these fees are listed on the downloadable application below.


APPLY NOW


Personal Card – World / Preferred Points Rewards

Features include: 

  • 25-day interest-free grace period on all purchases (No grace period on cash advances)
  • Competitive ongoing APR*
  • 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 first six months*
  • No annual fee

Benefits include:

  • 24-hour toll-free live customer assistance available at 800-367-7576
  • Redeem your rewards points for cash-back awards, retail gift cards, travel and more
  • Rental car collision damage waiver protection and a host of extraordinary MasterCard® benefits
  • Online account information available 24/7 at cardaccount.net
  • To view or redeem rewards points, visit dreampoints.com/preferredpoints or call 866-678-5191
  • Unlike some card offers, the APR* for purchases and cash advances is the same. We do not charge a higher rate for cash advances.

Fees:

  • Other fees may be charged, these fees are listed on the downloadable application below. 

APPLY NOW

 

Fax your completed application to the Card Service Center at 877-809-9162

Or mail your completed application to:

Card Service Center
P.O. Box 569120
Dallas, TX 75356-9120



*Please see application for information about current APR and fees.