PalmCall Campus Mastercard
Built for college students - rewards on the basics and a good-grades bonus.
Instant decision · for Pinecrest and PalmCall customers
Benefits
- For students: choose Student as your employment status when you apply
- A lower $25 late fee, and a text reminder 3 days before every due date
- A 2,500-point good-grades bonus every school year (3.0 GPA or better)
- No foreign transaction fees - ready for a semester abroad
- Free credit score and credit-building lessons
- Cell phone protection up to $600 when you pay your PalmCall bill with the card
Who can apply
Pinecrest and PalmCall customers who are at least 18. This card is designed for people with students with little or no credit history. Your credit limit, APR and any annual fee that varies by credit are set when you’re approved. Choose Student as your employment status when you apply.
Rates & fees
| Annual percentage rate (APR) for purchases | 26.49% - 30.49% variable 0% intro APR on purchases for 6 months, then the standard variable APR Your APR depends on your creditworthiness and is set when you are approved. |
| APR for balance transfers | Same as the purchase APR |
| APR for cash advances | 30.49% - 34.49% variable |
| Penalty APR and when it applies | 29.99%. This APR may apply to your account if you are 60 days late on a minimum payment, and may continue indefinitely. |
| How to avoid paying interest on purchases | Your due date is at least 21 days after the close of each billing cycle. We will not charge interest on purchases if you pay your entire balance by the due date each month. |
| Minimum interest charge | If you are charged interest, the charge will be no less than $1.50. |
| Annual fee | $0 annual fee |
| Transaction fees | Balance transfer: 5% (min $10). Cash advance: either $10 or 5% of the amount of each cash advance, whichever is greater. Foreign transaction: None. |
| Penalty fees | Late payment: up to $25.00. Returned payment: up to $25.00. |
How we will calculate your balance: we use the average daily balance method (including new purchases). Prime Rate is a pretend rate used for this demonstration site.
At a glance
- Rewards
- 3 points per $1 on dining and takeout - 2 points on groceries and your PalmCall bill - 1 point on everything else
- Welcome offer
- 5,000 bonus points after you spend $250 in your first 90 days
- Purchase APR
- 26.49% - 30.49% variable0% intro APR on purchases for 6 months, then the standard variable APR
- Annual fee
- $0 annual fee
- Foreign fee
- None
- Credit lines
- $300.00 – $2,000.00
- Network
- Mastercard
How you earn
A demonstration: Pinecrest and PalmCall are fictional and this is not a real offer of credit. Approval, credit limit, APR and any annual fee that varies by creditworthiness are decided instantly from your (fictional) credit profile.