Personal Credit Cards

We make it easy to choose the right credit card for you.

The National Bank of Texas has partnered with TIB - The Independent Banker’s Bank to offer personal and business credit cards. Choose the card that’s right for you- Low Rate or Preferred Points Rewards.¹
 

Low Rate Personal Card

Features
  • No annual fee.
  • Low introductory rate for the first six months.²
  • Competitive ongoing APR.²
  • 25-day interest-free grace period on all purchases. No grace period on cash advances.
Benefits
  • 24-hour toll-free live customer assistance available at 800-367-7576.
  • Car rental insurance coverage 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
  • Other fees may be charged, these fees are listed on the downloadable application.

World / Preferred Points Rewards Personal 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 the first six months.²
  • Competitive ongoing APR.²
  • 25-day interest-free grace period on all purchases. No grace period on cash advances.
Benefits
  • Redeem your rewards points for cash-back awards, retail gift cards, travel and a wide variety of merchandise including cameras, 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.mypreferredpoints.com or call 866-678-5191.
  • 24-hour toll-free live customer assistance available at 800-367-7576.
  • Car rental insurance coverage and a host of extraordinary Mastercard® benefits.
  • Unlike some card offers, the APR² 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.

To Apply Now

  • 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.
  • Fax your 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 Subject to credit approval. Certain restrictions and fees may apply and are detailed in application. The creditor and issuer of these cards is TIB -The Independent Banker’s Bank, pursuant to separate licenses from Visa U.S.A. Inc., or MasterCard® International Incorporated. MasterCard® is a registered trademark, and the circles design is trademark of MasterCard® International Incorporated.
² Please see application for information about current APRs and fees.
Mastercard® Personal Card benefits include:
           • Airport Concierge
           • ID Theft Protection
           • Global Service
           • Cell Phone Coverage*
           • Travel & Lifestyle Services*
           • Online shopping/delivery     
              discounts*
Certain restrictions apply to each benefit detailed in the applicable benefits brochure received with new credit card.
*Mastercard® World cardholders only.