Lady using a credit card on her smartphone

Personal Credit Card

We make it easy to choose the credit card that is right for you - Low Rate or Preferred Points Rewards. It’s the only card you need for everything you need to do.

Extraordinary Benefits with Mastercard® include:
  • Rental Car Insurance
  • Airport Concierge
  • ID Theft Protection
  • Global Services
  • Cell Phone Coverage*
  • Travel and Lifestyle Services*
  • Online Shopping/Delivery Discounts*
  • Mobile Receipt Management
  • Easy Savings

Low Rate

Features
  • No annual fee.
  • Low introductory rate for the first six months.1
  • Competitive ongoing APR.1
  • 25-day interest-free grace period on all purchases. No grace period on cash advances.
Benefits
  • 24-hour toll-free live customer assistance available at 800.367.7576.
  • Online account information available 24/7 at cardaccount.net.
  • Rental car collision damage waiver protection and a host of extraordinary Mastercard® benefits.
  • Unlike some card offers, the APR1 for purchases and cash advances is the same. We do not charge a higher rate for cash advances.
Fees
Other fees may be charged, these fees are listed on the downloadable application.


World/Preferred Points Rewards

Features
  • Earn points that you can redeem for rewards. Earn one point for each dollar spent, up to 10,000 points per month.
  • Low introductory rate for first six months.1
  • Competitive ongoing APR.1  
Benefits
  • Redeem your rewards points for cash-back awards, retail gift cards, travel and a wide variety of merchandise including cameras, mp3 players, home theater systems, portable DVD players, sporting equipment, jewelry, luggage, electronics, video game equipment, gift cards and more. To view or redeem rewards points, visit mypreferredpoints.com or call 866-678-5191.
  • 24-hour toll-free live customer assistance available at 800.367.7576.
  • Online account information available 24/7 at cardaccount.net.
  • Rental car collision damage waiver protection and a host of extraordinary Mastercard® benefits.
  • Unlike some card offers, the APR1 for purchases and cash advances is the same. We do not charge a higher rate for cash advances.
Fees
Other fees may be charged, these fees are listed on the downloadable application. 

































Digital Wallet

Add your WestStar Credit Card to your smartphone's Digital Wallet for an easier way to pay.

Financial Tools


You can easily and quickly know exactly what your money is doing.

Online & Mobile


A quick and convenient platform to access your account info whenever, wherever.






Business Credit Cards


Choose the card that is right for your business - Standard Card with no annual fee or the Preferred Points Rewards Card.
 




Additional Information & Disclosures

1 Please see application for information about current APRs and fees.

The issuer and administrator of the credit card program is TIB, National Association a non-affiliated entity of WestStar Bank.


Third party message and data rates may apply. These include fees your wireless carrier may charge you for data usage and text messaging services. Check with your wireless carrier for details regarding your specific wireless plan and any data usage or text messaging charges that may apply. Also, a supported mobile device is needed to use the WestStar mobile banking app. Mobile deposit is a feature of WestStar mobile banking. Use of the mobile deposit feature requires a supported camera-equipped device and you must download the WestStar mobile banking app. Eligible WestStar Bank account and WestStar online banking required. Certain other restrictions apply. See the mobile banking terms and conditions in the WestStar Online Banking Disclosure.