Great Rate or Cash Back: The Choice is Yours
We know Texans have the hardworking spirit, the grit, the confidence to make things happen. We also recognize that everyone is different. That is why we offer credit card options to fit your needs. Check out our options to see which is right for you.
Texans Rate Advantage Card
Sought After Low Rate, Fewer Fees
Our Visa Platinum Rate Advantage card*,1 boasts our lowest rate with no annual fee, no balance transfer fee, no over-limit fee, and no fees for cash advances.
- Visa's Zero Liability Policy
- ID Navigator powered by Norton LifeLock
- Dovly Uplift
- Roadside Dispatch
APPLY NOW VIEW RATES AND TERMS >>
Texans Cash Rewards Card
We've got rewards to choose from because we don't believe one size fits all. From exclusive offers for entertainment and sporting event packages to culinary events and travel our Visa Signature Cash Rewards Card* features amazing rewards benefits and more.² And the choice is all yours!
- Exclusive Visa Signature Rewards Benefits
- Visa's Zero Liability Policy
- ID Navigator powered by Norton LifeLock
- Dovly Uplift
- Roadside Dispatch
- Travel and Emergency Assistance
- Trip Cancellation and Interruption
APPLY NOW VIEW RATES AND TERMS >>
| Benefit | Rate Advantage VISA Card¹ | Cash Rewards Card¹ ² |
|---|---|---|
| 24/7 Live Customer Support | ✓ | ✓ |
| Account access through online banking | ✓ | ✓ |
| Contactless Card with Tap to Pay | ✓ | ✓ |
| Dovly Uplift | ✓ | ✓ |
| ID Navigator powered by Norton LifeLock | ✓ | ✓ |
| Lock and Unlock your card | ✓ | ✓ |
| Lost / Stolen Card Reporting | ✓ | ✓ |
| Lost Luggage Reimbursement | - | ✓ |
| No Annual fee | ✓ | ✓ |
| No cash advance fee | ✓ | ✓ |
| Non-variable interest rate | Rates as low as 10.99% APR* |
Rates as low as 11.99% APR* |
| Roadside Dispatch | ✓ | ✓ |
| Travel and Emergency Assistance | ✓ | |
| Trip Cancellation and Interruption | ✓ | |
| Visa's Zero Liability Policy | ✓ | ✓ |
Need Help With Your Card?
Get 24/7 help for lost or stolen cards:
Call 1.800.352.8783 for help with your Cash Rewards card.
Call 1.800.331.2241 for help with your Rate Advantage card.
Membership Required. Loans are subject to credit approval.
* APR (Annual Percentage Rate). Rates current as of 01/01/2023. Rates and terms are determined by the overall creditworthiness of each applicant, and are subject to change at any time without notice.
1Foreign transaction fees are 1% of the foreign transaction amount.
2Up to $3,000 in lost luggage reimbursement and up to $2,000 in trip cancellation/interruption. Full benefits explained in Visa Signature Guide to Benefits disclosures provided with card agreement. Ask a Texans representative for more details.
VISA is a registered trademark of Visa International Services Association.
