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.

Personal Card – Low Rate

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.

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 APR (1) 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 pdf application  or in the online application. Credit-Card-Application-CONSUMER

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.
• 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.

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.mypreferredpoints.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.

Fees

Other fees may be charged. These fees are listed on the pdf application Credit-Card-Application-CONSUMER  or in the online application. Consumer Credit Card Application (cardaccount.net)

To Apply Now

• Click the link to the online Consumer Credit Card Application (cardaccount.net)
• Type your information and submit.
• Another option is to fill in, print and bring the pdf application into the bank Credit-Card-Application-CONSUMER
• Paper applications are also available at our local branch office.
• Paper applications may be submitted to a CNB Loan Officer.

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.

Choose the card that is right for your business – Standard Card with no annual fee or the Preferred Points Rewards Card.

Business Card – Standard Card

Features

• No annual fee.
• Competitive ongoing APR. (1)
• 25-day interest-free grace period on all purchases. No grace period on cash advances.
• Individual and summary billing options.

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.

Fees

Other fees may be charged. These fees are listed on the pdf application Credit-Card-Application-BUSINESS  or in the online application. Business Credit Card Application (cardaccount.net)

Business Card – Preferred Points Rewards

Features

• Earn one reward point for each dollar spent, up to 10,000 points per month.
• Low annual fee of $49.00 per account.
• Competitive ongoing APR. (1)
• 25-day interest-free grace period on all purchases. No grace period on cash advances.
• Individual billing option only.

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.mypreferredpoints.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.

Fees

Other fees may be charged. These fees are listed on the pdf application Credit-Card-Application-BUSINESS or in the online application. Business Credit Card Application (cardaccount.net)

To Apply Now

• Click the link to the online application. Business Credit Card Application (cardaccount.net)
• Type your information and submit.
• Another option is to fill in, print and bring the pdf application into the bank Credit-Card-Application-BUSINESS
• Paper applications are also available at our local branch office.
• Paper applications may be submitted to a CNB Loan Officer.
• Supporting documents vary depending on the type of business you have. See chart below.

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.

Supporting Documents for Your Card Application