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       | NEW! Pinecrest & PalmTravel Credit Cards — now fifteen cards. New: Tidewater Air miles cards — Takeoff, Horizon and Diamond, with free checked bags, lounge access and companion fares. Also for building credit: the Secured Mastercard, Starter Visa and Campus Mastercard; premium: Obsidian Visa Infinite, PalmTravel Reserve and Sovereign American Express. Earn rewards on wireless service, groceries, dining, travel and Stay Shores resort stays. Learn more » |
Pinecrest Rewards MastercardBuild your credit and earn rewards - approval for fair credit. Mastercard •••• •••• •••• #### Pinecrest Rewards Mastercard Apply now » Instant decision · existing customers | | 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 transaction fee | 3% | | Credit lines | $300 to $3,000, based on your income and credit |
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 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
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 in annual income. Your credit limit, APR and any annual fee that varies by credit are set when you are approved and depend on your creditworthiness.
| 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 | 29.99%. May apply if you are 60 days late on a minimum payment. | | Grace period | Your due date is at least 21 days after each billing cycle closes. We will not charge interest on purchases if you pay your entire balance by the due date each month. | | Minimum interest charge | $1.50 | | Annual fee | $0 annual fee at 640+; $49 for 580-639 | | Balance transfer fee | 5% (min $10) | | Cash advance fee | Either $10 or 5% of each cash advance, whichever is greater | | Foreign transaction fee | 3% | | Late payment / returned payment | Up to $40 |
See our other cards
Pinecrest Secured Mastercard
PalmCall Starter Visa
PalmCall Campus Mastercard
PalmTravel Visa Signature
PalmTravel American Express
Pinecrest Communications Elite Cashback American Express
PalmTravel | Stay Shores
PalmTravel Elite | Stay Shores
Pinecrest Obsidian Visa Infinite
PalmTravel Reserve World Elite Mastercard
Pinecrest Sovereign American Express
Tidewater Air Takeoff Secured Mastercard
Tidewater Air Horizon Visa Signature
Tidewater Air Diamond American Express
Pinecrest Communications and PalmCall Wireless are fictional companies and this is not a real offer of credit. Prime Rate and credit scores are pretend values used for this demonstration.
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