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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.


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 or balance transfers.

Benefits

  • 24-hour toll-free live customer assistance available at (800) 367-7576.
  • Online account information available 24/7 at www.cardaccount.net.
  • Rental car collision damage waiver protection 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 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 or balance transfers.

Benefits

  • Redeem your rewards points for cash-back awards, retail gift cards, travel and a wide variety of merchandise including cameras, mp3 players, home theater systems, portable DVD players, sporting equipment, jewelry, luggage, electronics, video game equipment, gift cards and more.
  • To view or redeem rewards points, visit www.dreampoints.com or call (866) 678-5191.
  • 24-hour toll-free live customer assistance available at (800) 367-7576.
  • Online account information available 24/7 at www.cardaccount.net.
  • Rental car collision damage waiver protection and a host of extraordinary MasterCard® benefits.
  • Unlike some card offers, the APR 1 for purchases and cash advances is the same. We do not charge a higher rate for cash advances.

To Apply Now

Or mail your completed application to:
Card Service Center
PO Box 569120
Dallas, TX 75356-9120

1Please see application for information about current APRs and fees.
2Concierge Services available with World MasterCard® only.

Extraordinary MasterCard® Benefits Including:
  • Concierge Service2
  • Price Protection
  • Baggage Delay Insurance**
  • Car Rental Collision Damage Waiver Insurance**
  • Extended Warranty
  • Travel Assistance
  • Roadside Assistance
  • Purchase Assurance
  • Travel Accident Insurance**

Certain restrictions apply detailed in the applicable benefits brochure received with new credit card.

**The insurance products mentioned above are not FDIC insured nor guaranteed by First State Bank of Odem.

Small enough to know you...Large enough to serve you.