Personal Credit Card

Dreaming of a convenient personal credit card from your trusted financial partner? Then choose the card that lets you choose low rates OR Preferred Points Rewards. With the Bank of South Texas, the right card for your lifestyle is waiting for you.

Low Rate Card

With no annual fee, low interest rates, and extraordinary Mastercard features such as online shopping discounts, this is the credit card you need when you need to pay for daily life.


  • 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.


  • 24-hour toll-free live customer assistance available at 800-367-7576.
  • Online account information available 24/7 at
  • 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.

Extraordinary benefits with Mastercard® including:

  • Rental Car Insurance
  • Airport Concierge
  • ID Theft Protection
  • Global Services
  • Cell Phone Coverage*
  • Travel & Lifestyle Services*
  • Online shopping/delivery discounts*

Certain restrictions apply detailed in the applicable benefits brochure received with new credit card.

*Mastercard World cardholders only

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 applaction to:
    Card Service Center
    PO Box 569120
    Dallas, TX 75356-9120

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

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