The Texas National Bank is a personal credit card from Texas National Bank. The ongoing APR is Prime + 11.99%, Rate Cap 21.00% (variable, based on the Prime Rate) after a 0.00% for first 6 months introductory rate for 6 months. Rewards: Earn 1 point per $1 spent (up to 10,000 points/month) redeemable for cash back, travel, retail gift cards, merchandise, and more. This product reports activity to your personal credit report.