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Make Purchases and Build Your Credit History!

Jumpstart your credit history with Home State Bank! Your credit impacts numerous areas of your financial life, so it’s crucial to build a solid foundation. Our Low-Rate Credit Card from MasterCard® is ideal for students and young adults to start building a credit history.


Low-Rate Credit Card

“Low-rate” means you pay less if you carry a balance from month to month. The competitive annual percentage rate (APR)* combined with 24/7 live customer support and online credit card account access make this card a great “first” card for students and young adults.

Other card benefits and features include:

  • Access your credit card account online at www.cardaccount.net
  • Rental car collision damage waiver protection
  • The APR* for purchases and cash advances are the same
  • 25-day interest-free grace period on all purchases

Start the application process for your Low-Rate credit card today by downloading our Credit Card Application PDF. Type the information and then print the application (you cannot save the document, so print an extra copy for yourself), or print it and then complete it using a blue or black pen. Paper applications are also available at our local branch office.

Fax your completed application to the Card Service Center at 972.650.7054

Or mail your completed application to:
Card Service Center
PO Box 569120
Dallas, TX 75356-9120


Other Personal Credit Card Options

We also offer a Preferred Points credit card to help you earn rewards points on your purchases.

Learn More

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