FDIC-Insured - Backed by the full faith and credit of the U.S. Government

FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Personal Card – Low Rate

Features

  • No annual fee.1

  • Low introductory rate for the first six months.1

  • Competitive APR.1

  • 25-day interest-free grace period on all purchases. No grace period on cash advances.1

Benefits

  • 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.

Personal Card –World / Preferred Points Rewards

Features

  • Earn points that you can redeem for rewards. Earn one point for each dollar spent, up to 10,000 points per month.

  • No annual fee.1

  • Low introductory rate for first six months.

  • Competitive APR.1

  • 25-day interest-free grace period on all purchases. No grace period on cash advances.1 

Benefits

  • Redeem your rewards points for cash-back awards, retail gift cards, travel and a wide variety of merchandise. To view or redeem rewards points, visit www.mypreferredpoints.com or call 866-678-5191.

  • Concierge Service

  • 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.

To Apply

To submit the application: Print, sign and deliver the application to HCN Bank; or fax the completed application to the Card Service Center at 877-809-9162.

Or mail your completed application to:

Card Service Center
PO Box 569120
Dallas, TX 75356-9120

1Fees related to Incoming, Domestic and International Wires are referenced in the Schedule of Fees

2 Concierge Services available with World Mastercard only.

* HCN Bank partners with TIB (The Independent BankersBank) to provide credit card services; all credit applications are underwritten, approved or denied, and serviced by TIB.