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.

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  • 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.

Credit card

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

Click the button below to apply and type in your information.

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