Membership required.

APR = Annual Percentage Rate. The APR will vary with the market based on the Prime Rate. Subject to credit approval. Rates and terms are determined by the overall creditworthiness of each applicant and are subject to change without notice.
1. Point earnings are 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 points.
2. Limit 1 bonus points reward offer per new account. Does not apply to requests to convert existing accounts. Once you qualify, you will receive your bonus points within your next 1-2 billing cycles.
3. The Introductory APR for purchases and balance transfers applies to all new purchases and "new money" balance transfers using your new Texans Rate Advantage Visa card in the first 6 months from the date the account is opened. “New Money” is defined as money transferred from another financial institution. Any purchases or balance transfers posted on your account after the promotional period end date, will be charged the APR for which you were approved.
Foreign transaction fees are 1% of the foreign transaction amount.
VISA is a registered trademark of Visa International Services Association.