Personal Credit Cards

Tired of cash and checks? We offer two kinds of personal credit cards, both with exceptional service and a wide array of valuable benefits like an interest-free grace period¹ if paid in full , emergency cash and card replacement, expense monitoring and more. See the breakdown below and decide which card belongs in your wallet.

Please contact American Bank to receive an application or Terms and Conditions for more information about current APRs and fees.

¹25 day grace period on all purchases.  There is no grace period on cash advances. Credit cards are issued by TIB-The Independent Bankers Bank.

²After the introductory rate, the Annual Percentage Rate (APR) will vary based on changes in the Index (the national Prime Rate as published in the Wall Street Journal).  The Index will be adjusted by 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 Federal Reserve Bank.  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 Finance Charges on the account, but all calculations will be made using a minimum Index of not less than 5.00%.  The account will never have an APR over 21%. 

³View or redeem rewards points at  www.mypreferredpoints.com or call (866) 678-5191.