Pinecrest Communications Elite Cashback American Express
Our best cash back and lowest rates, for excellent credit.
Instant decision · for Pinecrest and PalmCall customers
Benefits
- Cash back is credited automatically every month - no categories to activate
- Cell phone protection up to $1,000 per claim when you pay your wireless bill with the card
- 24/7 concierge service
- Extended warranty (up to 2 extra years), purchase protection and price protection
- A dedicated 611 priority line and priority service at every Pinecrest store
- No foreign transaction fees
Who can apply
Pinecrest and PalmCall customers who are at least 18. This card is designed for people with excellent credit and at least $75,000.00 in annual income. Your credit limit, APR and any annual fee that varies by credit are set when you’re approved.
Rates & fees
| Annual percentage rate (APR) for purchases | 15.99% - 22.99% variable 0% intro APR on purchases and balance transfers for 18 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 | 20.99% - 27.99% 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 at 820+; $95 for 800-819 |
| Transaction fees | Balance transfer: 3% (min $5). 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 $35.00. Returned payment: up to $35.00. |
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
- 5% cash back on Pinecrest and PalmCall wireless - 3% at grocery stores and gas stations - 2% on dining - 1.5% on everything else
- Welcome offer
- A $300 statement credit after you spend $2,000 in your first 90 days
- Purchase APR
- 15.99% - 22.99% variable0% intro APR on purchases and balance transfers for 18 months, then the standard variable APR
- Annual fee
- $0 annual fee at 820+; $95 for 800-819
- Foreign fee
- None
- Credit lines
- $15,000.00 – $75,000.00
- Network
- American Express
How you earn
More premium cards
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.