Personal Credit Cards

We make it easy to choose the credit card that is right for you — choose either the Low Rate option or the Preferred Points Rewards option. Either way, Security Bank and Trust has the only card you need for everything you need to do.

Low Rate

Features
  • No annual fee.
  • Low introductory rate for the first six months.*
  • Competitive ongoing APR.*
  • 25-day, interest-free grace period on all purchases. No grace period on cash advances.
Benefits
  • 24-hour toll-free live customer assistance available at 800-367-7576.
  • Online account information available 24/7 at cardaccount.net.
  • Rental car collision damage waiver protection and a host of extraordinary MasterCard®
  • The same APR* for both purchases and cash advances. No higher rates for cashadvances.
Fees
  • Review downloadable application for any additional fees, if applicable.

Preferred

Features
  • Points earned that you can redeem for rewards. Earn one point for each dollar spent, up to 10,000 points per month.
  • No annual fee.
  • Low introductory rate for first six months. 1
  • Competitive ongoing APR.*
  • 25-day interest-free grace period on all purchases. No grace period on cash advances.
Benefits
  • Rewards points redeemed 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.
  • Access to view or redeem rewards points at 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 cardaccount.net.
  • Rental car collision damage waiver protection and a host of extraordinary MasterCard® benefits.
  • The same APR* for both purchases and cash advances. No higher rates for cash advances.
Fees
  • Review downloadable application for any additional fees, if applicable.

How to Apply

  • 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
  • Supporting documents vary depending on the type of business you have. Seechart below.
  • 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

* Please see application for information about current APRs and fees.

** Concierge Services available with World MasterCard only.

Extraordinary benefits with MasterCard®

Certain restrictions apply detailed in the applicable benefits brochure received with new credit card.

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