Consumer Credit Cards*

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.¹
• 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

Complete the Application

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

¹  Please see application for information about current APRs and 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.