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.
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
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
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
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
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
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 |
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.