Locations/Hours • Contact Us • Internet Safety • Order Checks • Home PERSONAL COMMERCIAL LENDING ABOUT US CALCULATORS You are here: Personal ⁄ Consumer Credit Cards Personal Credit Card We make it easy to choose the credit card that is right for you - Low Rate or Preferred Points Rewards. It’s the only card you need for everything you need to do. Personal Card – Low Rate Features 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 or balance transfers. Benefits 24-hour toll-free live customer assistance available at 800-367-7576. Online account information available 24/7 at www.cardaccount.net. 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. Fees Other fees may be charged, these fees are listed on the downloadable application. Personal Card –World / Preferred Points Rewards Features 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 or balance transfers. Benefits 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 www.mypreferredpoints.com or call 866-678-5191. 24-hour toll-free live customer assistance available at 800-367-7576. Online account information available 24/7 at www.cardaccount.net. Rental car collision damage waiver protection and a host of extraordinary MasterCard® benefits. Unlike some card offers, the APR 1 for purchases and cash advances is the same. We do not charge a higher rate for cash advances. To Apply Now Access the online application here. Download the PDF of the 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 application to: Card Service Center PO Box 569120 Dallas, TX 75356-9120 1 Please see application for information about current APRs and fees. 2 Concierge Services available with World MasterCard® only. Online Banking Login Extraordinary benefits with MasterCard® including: Concierge Service2 Price Protection Baggage Delay Insurance** Car Rental Collision Damage Waiver Insurance** Extended Warranty Travel Assistance Roadside Assistance Purchase Assurance Travel Accident Insurance** Certain restrictions apply detailed in the applicable benefits brochure received with new credit card. **The insurance products mentioned above are not FDIC insured nor guaranteed by First State Bank of Odem. Contact Us MAIN OFFICE: 201 Main St., Odem, TX 78370 Phone: 361-368-2651 | Fax: 361-368-2047 View all our locations Lost/Stolen Debit Card Disclosures & Notices Privacy Policy/Filing a Complaint Site Map Director Access Download Adobe Acrobat Copyright 2021 by First State Bank of Odem • All Rights Reserved.