‹ All cards · Everyday & travel
PalmTravel | Stay Shores
Premium rewards for excellent credit.
Instant decision · for Pinecrest and PalmCall customers
Benefits
- Complimentary Stay Shores Silver status - late check-out when available and a welcome drink at every Stay Shores resort
- Redeem points for free nights at any Stay Shores resort, with no blackout dates
- No foreign transaction fees
- Trip delay reimbursement up to $500
- Zero liability for unauthorized purchases
Who can apply
Pinecrest and PalmCall customers who are at least 18. This card is designed for people with excellent credit and at least $60,000.00 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 | 9.99% - 14.99% 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 | 14.99% - 19.99% 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 |
| 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 $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
- 4 points per $1 on Stay Shores - 2 points on all other purchases
- Welcome offer
- 60,000 bonus points after you spend $4,000 in your first 90 days
- Purchase APR
- 9.99% - 14.99% variable
- Annual fee
- $0 annual fee
- Foreign fee
- None
- Credit lines
- $7,500.00 – $35,000.00
- Network
- American Express
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.