Membership required. Subject to credit approval . Rates and terms are determined by the overall creditworthiness of each applicant and are subject to change without notice.

1 Cardholders of the Texans Cash Rewards Visa Credi t Card will earn $1 cash back for every $100 spent on net new purchases. "Net new purchases" are purchases of goods and services made by you or any authorized user on your account minus any returns or refunds ( “other credits” ), and do not include balance transfers, cash advances, cash-like charges, foreign currency, and money orders, any checks that access your account, overdraft advances, interest, unauthorized or fraudulent charges, or fees of any kind, including an annual fee, if applicable. Once a cardholder accumulates the required $2,500 in net new purchases, $25 cash back may be redeemed as a statement credit or deposited into your Texans Savings Account . Statement credits and/or deposits will be credited within 3 business days from the date of redemption. Net purchases earned during a billing cycle are not available for redemption until they are posted on your billing statement. Net purchases for transactions made on or near the end of your billing cycle may take up to one billing cycle to post on your billing statement. Net purchases will be reduced for any returns or credits made on your Account . Additional promotional opportunities to earn greater rewards may be offered with the rewards program. The amount and availability of the promotional offer will vary as defined by the terms of the promotion.

2 Up to $3,000 in coverage.

3 Up to $2,000 in coverage. *Full benefits explained in Visa Signature Guide to Benefits disclosures provided with card agreement . VISA and Visa Signature are registered trademarks of Visa International Services Association.