Credit Cards

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 APR1 for purchases and cash advances is the same. We do not charge a higher rate for cash advances.

 

Fees

Extraordinary benefits with MasterCard® 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

 

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 downloadable application.

 

To Apply Now

 

  • Download the PDF application here.
  • Type the information and then print the application 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, TX75356-9120

  

1 Please see application for information about current APRs and fees.

2 Concierge Services available with World MasterCard only.

First & Farmers National Bank
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