Earn Cash Back Rewards with No Annual Fee
With 0% introductory APR for 6 months on purchases, no annual fee, and cash back rewards on eligible purchases, you can earn more from your everyday spending.
New accounts get extra cash
Earn a $150 rebate when you spend $1,000 in the first three months of account opening.
Rate that stays low and no extra fees
APR as low as 11.75% on purchases after the introductory APR* an no annual fee.
Easy to Manage
Manage your card online, get fraud alerts, set up automatic payments in Online Banking, and shop securely with EMV chip technology.
Have any questions about which consumer credit card best fits your needs? – No credit pull required
Fill out the short form below to hear from a Loan Officer within the next business day.
Are you ready to get rewarded?
Get your card with one of these easy options
Apply by Phone
Call us at 281.754.1470 to ask questions or start a credit card application by phone.
Disclosures
If not currently a Members Choice member, a $5 deposit is needed to establish membership. All memberships and credit products are subject to approval including credit approval.
*Credit Card Annual Percentage Rates (APR) accurate as of December 31, 2025. For a complete summary of our credit card rates and solicitation disclosure, Print Current Credit Card Rates (PDF)
Introductory 0% APR applies to purchases for 6 months and balance transfers for 12 months from account opening. After each introductory period, the APR will be 11.75% up to 18.00% based on creditworthiness. APR varies with the Prime Rate.
Balance transfers must be initiated within 180 days, may take up to 15 business days to process, and are subject to a 3% balance transfer fee. Continue making payments on transferred accounts until complete. $150 cash back requires $1,000 in qualifying purchases within the first 90 days. Balance transfers, cash advances, fees, returned purchases, and non-purchase transactions do not qualify for cash back. Cash back applies to qualifying purchases.