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Low Rates or Rewards? The Choice is Yours!

Whether you’re looking for low rates or reward options, our Mastercard® or Visa® gives you the flexibility to choose the card that’s just right for you. It’s purchasing power for whatever you need, whenever you need it. The best part? No matter which card you choose, you’ll enjoy no annual fee, low introductory rates and exceptional features and benefits.

Low Rate Card Icon

Low Rate Card

  • Mastercard® or Visa®^
  • Rewards points are not available for this card product.^
  • No annual fee
  • Intro rate: 2.9% for first 6 months
  • Ongoing APR of Prime: +6.99%
  • 25-day grace period on all purchases (no grace period on cash advances or cash equivalent transactions)
  • Mastercard® Platinum benefits include extended warranty protection, travel accident insurance, rental car collision damage waiver protection, and more.
  • Visa® Platinum benefit of rental car collision damage waiver protection.
  • Other fees may be charged; these fees are listed on the downloadable application.
  • Online account access and management available at www.cardaccount.net.
Opne Account
Rewards Card Icon

Rewards Card

  • Mastercard® or Visa®^
  • Earn one point for each dollar spent up to 10,000 per month. Points can be redeemed for cash back, travel, merchandise, and retail gift cards.
  • No annual fee
  • Intro rate: 2.9% for first 6 months
  • Ongoing APR of Prime: +11.99%
  • 25-day grace period on all purchases (no grace period on cash advances or cash equivalent transactions)
  • Mastercard® Platinum benefits include extended warranty protection, travel accident insurance, rental car collision damage waiver protection, and more.
  • Visa® Platinum benefit of rental car collision damage waiver protection.
  • Other fees may be charged; these fees are listed on the downloadable application.
  • Online account access and management available at www.cardaccount.net.
Open Account
World Card Icon

World Card

  • Mastercard®
  • Earn one point for each dollar spent up to 10,000 per month. Points can be redeemed for cash back, travel, merchandise, and retail gift cards.
  • No annual fee
  • Intro rate: 2.9% for first 6 months
  • Ongoing APR of Prime: +11.99%
  • 25-day grace period on all purchases (no grace period on cash advances or cash equivalent transactions)
  • Mastercard® Platinum benefits include extended warranty protection, travel accident insurance, rental car collision damage waiver protection, and more.
  • Other fees may be charged; these fees are listed on the downloadable application.
  • Online account access and management available at www.cardaccount.net.
Open Account

Not Sure Which Account Is Right For You?

Pick the two accounts that you're stuck between, and we'll help you make the right decision by comparing features and benefits.

Low Rate Rewards World
Card Type Mastercard® or Visa®^ Mastercard® or Visa®^ Mastercard®
Rewards N/A 1 point for each dollar spent up to $10,000/month 1 point for each dollar spent up to $10,000/month
Annual Fee $0 $0 $0
Intro Rate 2.9% for first 6 months 2.9% for first 6 months 2.9% for first 6 months
Ongoing APR of Prime +6.99% +11.99% +11.99%
Grace Period on Purchases
(No grace period on cash advances or cash equivalent transactions)
25 days 25 days 25 days
Mastercard® Benefits Extended warranty protection, travel accident insurance, rental car collision damage waiver protection, and more Extended warranty protection, travel accident insurance, rental car collision damage waiver protection, and more Extended warranty protection, travel accident insurance, rental car collision damage waiver protection, and more
Visa® Platinum Benefits Rental car collision damage waiver protection Rental car collision damage waiver protection Rental car collision damage waiver protection
Other Fees See Application See Application See Application
Online Account Access
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Apply Online

You can apply for a credit card via our online Chambers banking portal. Just login and get started now.

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Visit a Branch

Apply at any branch of Chambers Bank. We can assist you with setting up the account of your choice, or even help you decide if you're still not sure.

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Download an Application

Download the PDF application. Type your 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. Fax your completed application to the Card Service Center at 877-809-9162 or mail it to: Card Service Center; PO Box 569120; Dallas TX 75356-9120.

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Are You Looking to Open a Business Credit Card?

We don't just offer personal credit cards. We offer business ones too!

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Take Control of Your Finances

Explore some of the other ways Chambers can help you manage your money.

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CDs and IRAs

Continue to grow your savings and financial security with an investment strategy. Chambers is proud to offer you multiple options for doing that, including CDs and IRAs. And did we mention we have a variety of terms and competitive rates to meet any of your investment needs?

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Mortgage Solutions

Chambers is proud to offer our customers with competitive rates for home loans. And we keep things simple, with an experienced staff and a process you can understand.

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Savings Accounts

With a variety of account types, including Money Markets, you will find the perfect savings account for you. It’s never been easier to keep your money safe while you work towards a secure financial future.

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^ The Low Rate and Rewards consumer products include Mastercard® Platinum and Visa® Platinum cards; World Card is only available for Mastercard® and includes Preferred Points rewards.
* After the introductory rate, the Annual Percentage Rate (APR) will vary based on changes in the Index, the Prime Rate (the base rate on corporate loans posted by at least 70% of the ten largest U.S. banks) published in the Wall Street Journal. The Index will be adjusted on the 25th day of each month or the business day preceding the 25th day if that day falls on a weekend or a holiday recognized by the Board of Governors of the Federal Reserve System. Changes in the Index will take effect beginning with the first billing cycle in the month following a change in the Index. Increases or decreases in the Index will cause the APR and periodic rate to fluctuate, resulting in increased or decreased Interest Charges on the Account. The Account will never have an APR over 21%.
# Additional information about Mastercard® and Visa® cardholder benefits are provided on TIB Benefits Charts.

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