Pinecrest Rewards Mastercard
Build your credit and earn rewards - approval for fair credit.
Instant decision · for Pinecrest and PalmCall customers
Benefits
- Reports to all three credit bureaus every month, to help you build credit
- Free credit score tracking on every statement
- Automatic credit limit review after 6 months of on-time payments
- No security deposit - this is an unsecured card
- A path up: after 12 months of on-time payments you may be invited to the PalmTravel Visa Signature
- Zero liability for unauthorized purchases
Who can apply
Pinecrest and PalmCall customers who are at least 18. This card is designed for people with fair credit or better, including people building their credit and at least $10,000.00 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 | 26.99% - 34.99% variable 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 | 31.99% - 39.99% 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 640+; $49 for 580-639 |
| 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: 3%. |
| Penalty fees | Late payment: up to $40.00. Returned payment: up to $40.00. |
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
- 1.5 points per $1 on Pinecrest and PalmCall bills - 1 point on everything else
- Welcome offer
- 2,500 bonus points after you spend $200 in your first 90 days
- Purchase APR
- 26.99% - 34.99% variable
- Annual fee
- $0 annual fee at 640+; $49 for 580-639
- Foreign fee
- 3%
- Credit lines
- $300.00 – $3,000.00
- 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.