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 Credit Card will earn 1 point for every $1 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 such as travelers checks, foreign currency, money orders, any checks that access your account, overdraft advances, interest, unauthorized or fraudulent charges, or fees of any kind. 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. Cardholders must accumulate a minimum of 2500 points in order to be eligible to redeem cash rewards. Foreign transaction fees are 1% of the foreign transaction amount. VISA is a registered trademark of Visa International Services Association.