Pinecrest & PalmTravel credit cards
Find the card that fits your life
Twelve cards, one family — from a secured card that helps you rebuild your credit to metal cards with lounge access and a personal concierge. Instant decisions, and every card is managed right here in Online Banking and on My PalmCall.
Building credit
No credit history, or rebuilding it
Pinecrest Secured Mastercard
Rebuild your credit - approval even after past credit problems.
- Rewards
- 1 point per $1 on Pinecrest and PalmCall bills - 1 point per $2 on everything else
- Welcome
- No welcome bonus - your reward is a stronger credit score
- Annual fee
- $0 annual fee
- APR
- 27.49% variable
- Credit
- No credit, or credit that needs rebuilding
Secured
PalmCall Starter Visa
Your first credit card - no credit history needed, no deposit.
- Rewards
- 2% cash back on your PalmCall bill - 1% cash back on everything else
- Welcome
- A $25 statement credit after you spend $300 in your first 90 days
- Annual fee
- $0 annual fee
- APR
- 28.99% - 31.99% variable
- Credit
- Little or no credit history
Cash back
PalmCall Campus Mastercard
Built for college students - rewards on the basics and a good-grades bonus.
- Rewards
- 3 points per $1 on dining and takeout - 2 points on groceries and your PalmCall bill - 1 point on everything else
- Welcome
- 5,000 bonus points after you spend $250 in your first 90 days
- Annual fee
- $0 annual fee
- APR
- 26.49% - 30.49% variable
- Credit
- Students with little or no credit history
StudentsNo foreign fees
Pinecrest Rewards Mastercard
Build your credit and earn rewards - approval for fair credit.
- Rewards
- 1.5 points per $1 on Pinecrest and PalmCall bills - 1 point on everything else
- Welcome
- 2,500 bonus points after you spend $200 in your first 90 days
- Annual fee
- $0 annual fee at 640+; $49 for 580-639
- APR
- 26.99% - 34.99% variable
- Credit
- Fair credit or better, including people building their credit
Compare: Building credit
| Secured Mastercard | Starter Visa | Campus Mastercard | Rewards Mastercard | |
|---|---|---|---|---|
| Best for | Rebuild your credit - approval even after past credit problems. | Your first credit card - no credit history needed, no deposit. | Built for college students - rewards on the basics and a good-grades bonus. | Build your credit and earn rewards - approval for fair credit. |
| Rewards | 1 point per $1 on Pinecrest and PalmCall bills - 1 point per $2 on everything else | 2% cash back on your PalmCall bill - 1% cash back on everything else | 3 points per $1 on dining and takeout - 2 points on groceries and your PalmCall bill - 1 point on everything else | 1.5 points per $1 on Pinecrest and PalmCall bills - 1 point on everything else |
| Welcome offer | No welcome bonus - your reward is a stronger credit score | A $25 statement credit after you spend $300 in your first 90 days | 5,000 bonus points after you spend $250 in your first 90 days | 2,500 bonus points after you spend $200 in your first 90 days |
| Purchase APR | 27.49% variable | 28.99% - 31.99% variable | 26.49% - 30.49% variable | 26.99% - 34.99% variable |
| Annual fee | $0 annual fee | $0 annual fee | $0 annual fee | $0 annual fee at 640+; $49 for 580-639 |
| Foreign transaction fee | 3% | 3% | None | 3% |
| Credit needed | No credit, or credit that needs rebuilding | Little or no credit history | Students with little or no credit history | Fair credit or better, including people building their credit |
| Credit lines | $200.00 – $2,500.00 | $300.00 – $1,500.00 | $300.00 – $2,000.00 | $300.00 – $3,000.00 |
Everyday & travel
Rewards for good to excellent credit
PalmTravel Visa Signature
Travel rewards for good credit, with no foreign transaction fees.
- Rewards
- 3 points per $1 on travel and IslandRoam passes - 2 points on dining - 1 point on everything else
- Welcome
- 20,000 bonus points after you spend $1,500 in your first 90 days
- Annual fee
- $0 annual fee at 720+; $75 for 670-719 (waived the first year)
- APR
- 21.99% - 28.99% variable
- Credit
- Good credit (or better)
No foreign fees
PalmTravel American Express
Premium travel rewards for very good to excellent credit.
- Rewards
- 3 points per $1 on travel and IslandRoam - 2 points on dining and groceries - 1 point on everything else
- Welcome
- 50,000 bonus points after you spend $3,000 in your first 90 days
- Annual fee
- $0 annual fee at 780+; $95 for 740-779 (waived the first year)
- APR
- 18.99% - 25.99% variable
- Credit
- Very good to excellent credit
No foreign fees
PalmTravel | Stay Shores
Premium rewards for excellent credit.
- Rewards
- 4 points per $1 on Stay Shores - 2 points on all other purchases
- Welcome
- 60,000 bonus points after you spend $4,000 in your first 90 days
- Annual fee
- $0 annual fee
- APR
- 9.99% - 14.99% variable
- Credit
- Excellent credit
No foreign fees
Compare: Everyday & travel
| PalmTravel Visa Signature | PalmTravel American Express | PalmTravel | Stay Shores | |
|---|---|---|---|
| Best for | Travel rewards for good credit, with no foreign transaction fees. | Premium travel rewards for very good to excellent credit. | Premium rewards for excellent credit. |
| Rewards | 3 points per $1 on travel and IslandRoam passes - 2 points on dining - 1 point on everything else | 3 points per $1 on travel and IslandRoam - 2 points on dining and groceries - 1 point on everything else | 4 points per $1 on Stay Shores - 2 points on all other purchases |
| Welcome offer | 20,000 bonus points after you spend $1,500 in your first 90 days | 50,000 bonus points after you spend $3,000 in your first 90 days | 60,000 bonus points after you spend $4,000 in your first 90 days |
| Purchase APR | 21.99% - 28.99% variable | 18.99% - 25.99% variable | 9.99% - 14.99% variable |
| Annual fee | $0 annual fee at 720+; $75 for 670-719 (waived the first year) | $0 annual fee at 780+; $95 for 740-779 (waived the first year) | $0 annual fee |
| Foreign transaction fee | None | None | None |
| Credit needed | Good credit (or better) | Very good to excellent credit | Excellent credit |
| Credit lines | $5,000.00 – $20,000.00 | $5,000.00 – $30,000.00 | $7,500.00 – $35,000.00 |
Pinecrest Communications Elite Cashback American Express
Our best cash back and lowest rates, for excellent credit.
- Rewards
- 5% cash back on Pinecrest and PalmCall wireless - 3% at grocery stores and gas stations - 2% on dining - 1.5% on everything else
- Welcome
- A $300 statement credit after you spend $2,000 in your first 90 days
- Annual fee
- $0 annual fee at 820+; $95 for 800-819
- APR
- 15.99% - 22.99% variable
- Credit
- Excellent credit
No foreign feesCash back
PalmTravel Elite | Stay Shores
Elite-level rewards for discerning travelers.
- Rewards
- 5 points per $1 on Stay Shores - 3 points on all other travel - 2 points on everything else
- Welcome
- 120,000 bonus points after you spend $8,000 in your first 90 days
- Annual fee
- $395 annual fee
- APR
- 8.99% - 13.99% variable
- Credit
- Excellent credit
No foreign fees
Pinecrest Obsidian Visa Infinite
A metal card for people who expect more from every trip and every meal.
- Rewards
- 3 points per $1 on travel and dining - 2 points on wireless - 1.5 points on everything else
- Welcome
- 90,000 bonus points after you spend $6,000 in your first 90 days
- Annual fee
- $550 annual fee
- APR
- 17.49% - 24.49% variable
- Credit
- Very good to excellent credit
Metal cardNo foreign fees
PalmTravel Reserve World Elite Mastercard
For frequent flyers and island hoppers: the most points on travel.
- Rewards
- 5 points per $1 on flights, hotels and IslandRoam - 3 points on dining - 2 points on wireless - 1 point on everything else
- Welcome
- 75,000 bonus points after you spend $5,000 in your first 90 days
- Annual fee
- $450 annual fee
- APR
- 18.49% - 25.49% variable
- Credit
- Very good to excellent credit
No foreign fees
Pinecrest Sovereign American Express
Our most exclusive card - a rose-gold metal card with a personal relationship manager.
- Rewards
- 4 points per $1 on travel and dining - 3 points on wireless - 2 points on everything else
- Welcome
- 150,000 bonus points after you spend $15,000 in your first 90 days
- Annual fee
- $995 annual fee
- APR
- 14.99% - 19.99% variable
- Credit
- Excellent credit
Metal cardNo foreign fees
Compare: Premium
| Elite Cashback American Express | PalmTravel Elite | Stay Shores | Obsidian Visa Infinite | PalmTravel Reserve | Sovereign American Express | |
|---|---|---|---|---|---|
| Best for | Our best cash back and lowest rates, for excellent credit. | Elite-level rewards for discerning travelers. | A metal card for people who expect more from every trip and every meal. | For frequent flyers and island hoppers: the most points on travel. | Our most exclusive card - a rose-gold metal card with a personal relationship manager. |
| Rewards | 5% cash back on Pinecrest and PalmCall wireless - 3% at grocery stores and gas stations - 2% on dining - 1.5% on everything else | 5 points per $1 on Stay Shores - 3 points on all other travel - 2 points on everything else | 3 points per $1 on travel and dining - 2 points on wireless - 1.5 points on everything else | 5 points per $1 on flights, hotels and IslandRoam - 3 points on dining - 2 points on wireless - 1 point on everything else | 4 points per $1 on travel and dining - 3 points on wireless - 2 points on everything else |
| Welcome offer | A $300 statement credit after you spend $2,000 in your first 90 days | 120,000 bonus points after you spend $8,000 in your first 90 days | 90,000 bonus points after you spend $6,000 in your first 90 days | 75,000 bonus points after you spend $5,000 in your first 90 days | 150,000 bonus points after you spend $15,000 in your first 90 days |
| Purchase APR | 15.99% - 22.99% variable | 8.99% - 13.99% variable | 17.49% - 24.49% variable | 18.49% - 25.49% variable | 14.99% - 19.99% variable |
| Annual fee | $0 annual fee at 820+; $95 for 800-819 | $395 annual fee | $550 annual fee | $450 annual fee | $995 annual fee |
| Foreign transaction fee | None | None | None | None | None |
| Credit needed | Excellent credit | Excellent credit | Very good to excellent credit | Very good to excellent credit | Excellent credit |
| Credit lines | $15,000.00 – $75,000.00 | $15,000.00 – $100,000.00 | $20,000.00 – $150,000.00 | $15,000.00 – $90,000.00 | $50,000.00 – $250,000.00 |
Step 1ApplyChoose a card and answer a few questions. It takes about five minutes.
Step 2Instant decisionApproved? You’ll see your credit limit, APR and any annual fee right away.
Step 3Activate & manageYour card shows up in Online Banking and My PalmCall at once. Activate it when it arrives.
Pinecrest Cellular, PalmCall and PalmTravel are fictional. These cards are part of a demonstration and are not real offers of credit; no real credit check is made and no real card is issued. Mastercard, Visa and American Express describe pretend card networks. Only fictional test Social Security numbers are accepted. Approval, credit limit, APR and any annual fee that varies by creditworthiness are decided instantly from your (fictional) credit profile.