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Personal Credit Cards

Whether you are looking for a credit card with rewards options or no annual fee, we have the right card for you! We offer two consumer programs and best of all, you can choose which program will best fit your needs! These cards are accepted at businesses, financial institutions, and ATMs worldwide. All cards offer online account access and management.

Low Rate Card

  • Low Introductory APR (Annual Percentage Rate) for the first 6 months
  • Low ongoing APR, based on WSJ Prime (Please see application for additional rate and fee information) 
  • No Annual Fee
  • 25 day interest-free grace period on all purchases. (No grace period for cash advances or  cash equivalent transactions)
  • Visa Benefits of rental car collision damage waiver protection and travel insurance
  • Online account access and management available at www.cardaccount.net

Preferred Points Card

  • Low Introductory APR (Annual Percentage Rate) for the first 6 months
  • Low ongoing APR, based on WSJ Prime (Please see application for additional rate and fee information) 
  • No Annual Fee
  • 25 day interest-free grace period on all purchases. (No grace period for cash advances or  cash equivalent transactions)
  • Visa Benefits of rental car collision damage waiver protection and travel insurance. Earn one point for each dollar spent up to 10,000 points per month. Points can be redeemed for cash back, travel, merchandise, and retail gift cards. 
  • Online account access and management available at www.cardaccount.net. To view or redeem rewards points, visit www.mypreferredpoints.com or call 866-678-5191.

Apply Now!

Personal Credit Card Application


Complete and print the application or print and fill-out using a blue or black pen. (Paper applications are available at any of the First Chatham Family locations)

Fax your completed application to our credit card processor at 972-650-7054 or mail your completed application to:
Card Services
P.O. Box 569120
Dallas, Texas 75356-9120


Top Reasons FCB Should Be Your Bank

Reason # 3, Full Service Saturday Banking
We maintain fully staffed branches on Saturday to meet all of your banking needs.


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