Rate Advantage Credit Card
Start Saving
With a Balance Transfer
By transferring a balance from a high-interest credit card to a Texans Rate Advantage card with an introductory 0% APR¹ balance transfer offer, you save money on interest charges and could pay down the amount you owe quicker.
- No balance transfer fee to help boost your savings even more
- No annual fee to keep more of your money where it belongs - in your wallet
- Our lowest credit card rate after your introductory period ends
Rate Advantage Card Rates
Variable APR for Purchases & Balance Transfers
12.40% - 17.99%*
How Can a Balance Transfer Help You?
Save Money
on Credit Card Interest
When you transfer a balance from a high-interest credit card to a Rate Advantage card with a 0% Intro APR¹ balance transfer offer, you can use the money you save to pay down what you owe.
Most credit card balance transfer offers apply a balance transfer fee of 3% to 5% of your transfer. We never charge a balance transfer fee, helping you save even more money.
Pay Down
Your Current Balance Faster
When you consolidate all of your higher-rate credit card debt with a balance transfer, you end up with a single monthly payment and reduce how much you pay in interest over time.
Instead of making multiple payments every month, you can now make one simple monthly payment. Using your monthly savings toward your balance can also help you pay your debt off quicker.
Benefits Beyond Your Savings
Your savings aren't all there is to get excited about. Check out all the extra features and benefits available to you just for having a Texans Rate Advantage credit card.
All with no annual fee, no balance transfer fee, and no cash advance fee.
Features
- Custom Card Controls & Alerts
Give yourself peace of mind when you set your own customizable card controls and alerts in Card Manager.
- Subscription Management
View where your card is stored for subscriptions and recurring payments in Card Manager to make sure you're only paying for what you want.
- Personalized Spending Insights
Keep track of your budget and gain insights into your spending habits with Spending Insights customized just for you in Card Manager.
- Your Card in Your Digital Wallet
With just a tap of a button, easily add your credit card to your Apple or Google Wallet in seconds with Card Manager - no physical card necessary.
Benefits²
- Dovly Uplift
Benefit from a higher credit score with credit monitoring and dispute management with Dovly Uplift. Put Dovly to work helping to fix, manage, and maintain your credit score.
- ID Navigator Powered by LifeLock
ID Navigator Powered by LifeLock provides you with the tools to help keep you informed of potential threats to your identity so you can act quickly should the unexpected happen.
- Roadside Dispatch
As a Rate Advantage Visa cardholder, you have access to Roadside Dispatch®, a pay-per-use roadside assistance program that arranges a dispatch to a reliable tow operator or locksmith.
- Cellular Telephone Protection
Get reimbursed if your cell phone is stolen or damaged when you use your Texans Premier Rewards Visa card to pay your wireless cell phone bill.
Membership Required. Loans are subject to credit approval.
*APR = Annual Percentage Rate. Rates are current as of 12/01/2024. The APR will vary based on the Prime Rate. Rates and terms are determined by the overall creditworthiness of each applicant and are subject to change without notice.
1The Introductory APR for purchases and balance transfers applies to all new purchases and "new money" balance transfers using your new Texans Rate Advantage Visa card in the first 6 months from the date the account is opened. "New Money" is defined as money transferred from another financial institution. Any purchases or balance transfers posted on your account after the promotional period end date, will be charged the APR for which you were approved.
2Full benefits explained in the Rate Advantage Visa Guide to Benefits disclosures provided with card agreement. Ask a Texans representative for more details.
Foreign transaction fees are 1% of the foreign transaction amount.
VISA is a registered trademark of Visa International Services Association.
