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.
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)
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
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
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 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.