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Closed for Christmas Eve and Christmas Day


All of our branches and offices will be closed on Saturday, Dec. 24th, 2022 for Christmas Eve & Monday, Dec. 26th, 2022 for Christmas Day. We will reopen for business on Tuesday, Dec. 27th, 2022 9:00 AM.


More Information

Credit Card



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




Credit Card Comparison

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*
Roadside Dispatch -
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.


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