credit cards

Personal 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
  • Other fees may be charged, these fees are listed on the downloadable application.

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

Extraordinary benefits with MasterCard® include:
  • Concierge Service2
  • Price Protection
  • Baggage Delay Insurance
  • Car Rental Collision Damage Waiver Insurance
  • Extended Warranty
  • Travel Assistance
  • Roadside Assistance
  • Purchase Assurance
  • Travel Accident Insurance
Certain restrictions apply detailed in the applicable benefits brochure received with new credit card.


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 Please see application for information about current APRs and fees.
2 Concierge Services available with World MasterCard only.


Business Credit Cards
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

Business Card – 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 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

Extraordinary MasterCard:® Business Card benefits include:
  • Car Rental Collision Damage Waiver
  • Extended Warranty
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Roadside Assistance
  • Baggage Delay Insurance
Certain restrictions apply detailed in the applicable benefits brochure received with new credit card.


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

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







Farmers-Merchants National Bank Disclosures


Photographs by Larry Kanfer Photography, www.kanfer.com