Great Rate or Cash Back: The Choice is Yours
Texans are versatile, which is why we offer two credit card options to fit your needs. Check out the chart below to choose the card that’s right for you!
Rate Advantage Card
Great Low Rate, Fewer Fees
Rate Advantage Visa® card*,1 — our lowest-rate card with no annual fee, no balance transfer fee, no over-limit fee, and no fees for cash advances.
- 24/7 Live Customer Support
- EMV Advanced Security and Fraud Protection
- Emergency Cash Disbursement
- Lost/stolen Card Reporting
- Emergency Card Replacement
Cash Rewards Card
From exclusive offers for entertainment and sporting event packages, to culinary events, travel and more, the Visa Cash Rewards Card* features amazing rewards benefits.2
- Cash Back, Exclusive Benefits
- Exclusive VISA Signature Rewards Benefits
- Complimentary 24-hour assistance with hotel, restaurant and travel arrangements with Signature Concierge
- Lost Luggage Reimbursement
- Trip Cancellation/Interruption
- Travel & Emergency Assistance
- Warranty Manager
- Roadside Dispatch
|Benefit||Rate Advantage VISA Card¹||Cash Rewards Card¹ ²|
|24/7 Live Customer Support||✓||✓|
|Account access through online banking||✓||✓|
|Credit card mobile app||✓||✓|
|Emergency Cash Disbursement||✓||✓|
|Emergency Cash Replacement||✓||✓|
|EMV Advanced Fraud Protection||✓||✓|
|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 8.99% APR*
||Rates as low as 9.99% APR*|
|Travel and Emergency Assistance||-||✓|
|Trip Cancellation and Interruption||-||✓|
Membership Required. Loans are subject to credit approval.
* APR (Annual Percentage Rate). Rates current as of November 4, 2022. 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. Full benefits explained in Visa Standard Guide to Benefits disclosures provided with card agreement. Ask a Texans representative for more details.
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.