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
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
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
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 |
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.