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.

Preferred Points Rewards

Reward yourself every time you shop with a personal credit card that pays you! Our Preferred Points Rewards credit card comes with no annual fee, competitive rates, extraordinary Mastercard features, and reward points with every purchase.

Credit card icon


  • 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.


  • 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 or call 866-678-5191.
  • 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


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

Click Here to Apply