Skip Navigation

Credit Cards

Our consumer credit card products offer competitive pricing combined with a full range of reward options - making it easy to select and apply for the card that meets your needs.

Consumer Card Benefits

Consumer credit card holders receive a variety of exceptional benefits including the following:

Preferred Points Rewards

Earn one point for each dollar spent, up to 10,000 points per month. Redeem anytime for a variety of options including cash back, travel, merchandise, retail gift cards and more.

Apple Pay

Use your iPhone 6 and other compatible Apple devices to shop and check out wherever the Apple Pay logo is displayed.

Concierge Service

World MasterCard cardholders receive 24-hour comprehensive, personalized assistance with dinner reservations, event tickets, coordinating business arrangements, booking travel and more.

Price Protection

If you find a lower price for a new item within 60 days from the date of purchase using your eligible credit card, you may be reimbursed for the price difference.*

Baggage Delay Insurance

Reimburses cardholders for replacing essential personal or business items in your baggage, if the baggage you have checked on to a common carrier is delayed in transit and your tickets were purchased using an eligible credit card.*

Car Rental Collision Damage Waiver Insurance

Pays for covered damages (physical damage and theft) to a rental vehicle when your eligible card is used to initiate and pay for the entire rental transaction.*

Extended Warranty

Doubles the original manufacturer's or store brand warranty for up to one year when you pay with your eligible credit card.*

Travel Assistance

Provides pre-trip destination information such as visa/passport requirements, immunization, help with lost/stolen travel documents and luggage. referrals to a network of physicians, arranging hospital transfers and referrals to attorneys, local embassies and consulates, if you are traveling more than 100 miles from home.*

Roadside Assistance

Arranges emergency roadside assistance such as jump-starts, tire change, towing and gas delivery if you get stuck on the road. Service fees are pre-negotiated and billed to your eligible credit card.

Purchase Assurance

Provides coverage for most items you purchase with your eligible credit card if the item is damaged or stolen within 90 days of the date of purchase.*

Travel Accident Insurance

Covers you and your family against Accidental Death or Dismemberment if you purchase common carrier travel tickets with your eligible credit card.*

*Certain restrictions apply detailed in the applicable benefits brochure received with new credit cards.

24-hour toll-free live customer assistance available at 1-800-367-7576

Online account information available 24/7 at .

To Apply Now

  • Download the PDF application .
  • 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 your local branch.
  • Fax your completed application to the Card Service Center at 972-650-7054.

Apply Now

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

Questions / Inquiries

If you have questions concerning card benefits, please feel free to contact TIB at  1-800-443-2819  or  

Financial Calculator

How long will it take to pay off my credit cards?

Cross Keys Bank Personal Credit Card issued through The Independent Bankers Bank (TIB).

Bill Pay

Take the stress out of paying bills by enrolling in our Bill Pay service and enjoy life a little more. Learn More.