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Personal Credit Cards

Advanced security in the palm of your hand

 Credit Card - Consumer

Visa® Classic

Perfect for everyday or special purchases

A great choice for first-time credit card users or for those transferring a balance.APPLY FOR A CREDIT CARD

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Credit Card - Gold

Visa® Gold

extra buying power FOR those who desire a little more

Plus, you’ll enjoy benefits such as travel and emergency assistance.APPLY FOR A CREDIT CARD

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Payment Options

Using one of our convenient options, you may choose to pay your Prosperity Bank Visa® card in full or the minimum payment each month.

Log on to Credit Cards

Pay by phone at 1-855-340-8771

or you can pay your bill by check

Prosperity Bank

Dept. #350 | P.O. Box 21228 | Tulsa, OK 74121-1228

How it works

Chip Technology

  • Cards are embedded with an EMV computer chip.
  • A unique, one-time code is generated at every transaction - providing an additional layer of security.
  • Simply insert your card into the chip-enabled terminal.
  • You can count on enhanced fraud protection every time you use your card.

Annual Percentage Rate

  • Fixed APR, not an introductory rate.

Grace Period

  • No finance charges will be assessed on new purchases if the full balance is paid by the payment due date shown on your monthly statement.
  • No grace period on cash advances. Interest starts on the date of the cash advance transaction and continues until paid in full.

Revolving Balance

  • If you carry over a balance each month, the APR will be in effect. Your statement will reflect the minimum payment that is due.

Balance Transfer Provision

  • Consolidate your debt into one simple payment.
  • Eliminate additional monthly fees.
  • Eliminate high-interest rates you may be paying on your other cards.
  • Reduce the amount of time it takes to pay off debt.

To request a copy of your cardholder agreement, please call 1-800-531-1401 or email your name, mailing address, and contact number to credit.carddepartment@prosperitybankusa.com. For your protection, please do not send personal account information.

uChoose Rewards Program

With the uChoose Rewards program, you can earn valuable points just by using your Prosperity Bank Visa® Card. You can then redeem points online for a great range of merchandise and gift cards.

$1=1 pointEarn 1 point for every retail dollar spent

+ MoreRedeem points for virtually unlimited options

 There is no limit to the number of points you can earn

VISIT UCHOOSEREWARDS

or call our Customer Service Center at (800) 531-1401 for more information.

The advantages really add up

  • Convenience
  • Bookkeeping made easy
  • Build credit
  • Cash advance privileges
  • Emergency buying power

 

Frequently asked questions

What are the advantages of carrying a credit card?

Credit cards are a convenient way to pay for virtually everything you need, from groceries, and clothing to hotel stays and online purchases. A credit card is also a good way to establish or re-establish a strong credit history, which is essential when applying for a car loan, home financing, insurance coverage, and the like.

How is my credit limit determined?

A number of considerations determine the credit limit, including how long you’ve been employed, credit score, and amount of debt.

What are some of the benefits of the Prosperity Visa® credit cards?

Whether you’re traveling, shopping, or dining, a Prosperity Visa® Card will have you covered. Both the Prosperity Visa® Classic and Visa® Gold credit cards offer you these features:

  • Visa® cards are accepted at merchants around the world
  • Access cash from 1.9 million ATMs 
  • Advanced security features provide you with optimal peace of mind
  • General inquiries and assistance is readily available 24/7
  • A 25-day interest-free grace period on purchases 
  • Zero liability fraud protection
  • Travel Accident Insurance
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