• Accounts & Services
• Lending
• Investments
• About Us

Home » Accounts & Services

• Personal Accounts
• Commercial Accounts
• Online Banking
• ATM Services
• Check Card Service
• Credit Card Service
• Remote Express Deposit
• Personal Touch 24
• Cash Management
• Other Services
• Mobile Banking Services

Consumer and Business MasterCard Credit Cards

Red River Bank offers Consumer and Business MasterCard credit cards to meet a variety of needs.

1. Cardholder must meet these 3 conditions: 1. The cardholder must have exercised reasonable care in safeguarding his or her card from risk of loss or theft; 2. The cardholder must not have reported two or more incidents of unauthorized use within the preceding 12 months; 3. The account must be in good standing.
2. Platinum: Upon qualification. Introductory rate is for the first six billing cycles and applies to purchases and balance transfers. After the introductory period, the APR will be variable. The APR for Purchases and Cash Advances is based on the WSJ Prime Rate plus a margin, and the rate is calculated monthly by adding the margin applicable to the account to the WSJ Prime Rate. As of 09/01/06, the WSJ Prime Rate is 8.25%. APRs are competitive and range from 12.24% to 21.24%%. Variable APR is determined based on a review of the cardholder's application and credit history. Not everyone will qualify for the lowest rate. Cash Advance APR: 19.99% minimum; 24.99% maximum. 19.99% APR as of 09/01/06. Delinquency APR: 23.99%. Minimum finance charge: $1.00. Cash advance fee: $5.00 or 3.50% of the total dollar amount, whichever is greater.
3. Cash Rewards: Upon qualification. Introductory rate is for the first six billing cycles and applies to purchases and balance transfers. After the introductory period, the APR will be variable. The APR for Purchases and Cash Advances is based on the WSJ Prime Rate plus a margin, and the rate is calculated monthly by adding the margin applicable to the account to the WSJ Prime Rate. As of 09/01/06, the WSJ Prime Rate is 8.25%. APR is a competitive 17.24%. Cash Advance APR: 19.99% minimum; 24.99% maximum. 19.99% APR as of 09/01/06. Delinquency APR: 23.99%. Minimum finance charge: $1.00. Cash advance fee: $5.00 or 3.50% of the total dollar amount, whichever is greater.
4. Business and Business Travel Rewards: Upon qualification. Introductory rate is for the first six billing cycles and applies to purchases and balance transfers. After the introductory period, the APR will be variable. The APR for Purchases and Cash Advances is based on the WSJ Prime Rate plus a margin, and the rate is calculated monthly by adding the margin applicable to the account to the WSJ Prime Rate. As of 09/01/06, the WSJ Prime Rate is 8.25%. APRs are a competitive 14.24% for Business and 16.24% for Business Travel Rewards. Cash Advance APR: 19.99% minimum; 24.99% maximum. 19.99% APR as of 09/01/06. Delinquency APR: 23.99%. Minimum finance charge: $1.00. Cash advance fee: $5.00 or 3.50% of the total dollar amount, whichever is greater.