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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 Secured MastercardRebuild your credit - approval even after past credit problems.  Mastercard •••• •••• •••• #### Pinecrest Secured Mastercard Apply now » Instant decision · existing customers | | Rewards | 1 point per $1 on Pinecrest and PalmCall bills - 1 point per $2 on everything else | | Welcome offer | No welcome bonus - your reward is a stronger credit score | | Purchase APR | 27.49% variable | | Annual fee | $0 annual fee | | Foreign transaction fee | 3% | | Credit lines | $200 to $2,500, based on your income and credit |
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 Your credit line is backed by a refundable security deposit equal to the line (demonstration: no deposit is actually collected)
Automatic review after 8 months of on-time payments to move you to an unsecured card and refund your deposit
Reports to all three credit bureaus every month
Free credit score and a monthly credit-building tip on every statement
Autopay reminders and alerts so you never miss a due date
Zero liability for unauthorized purchases
Pinecrest and PalmCall customers who are at least 18. This card is designed for people with no credit, or credit that needs rebuilding and at least $0 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 | 27.49% 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 | 30.49% - 30.49% 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 | | Balance transfer fee | Not available | | Cash advance fee | Either $10 or 5% of each cash advance, whichever is greater | | Foreign transaction fee | 3% | | Late payment / returned payment | Up to $25 |
See our other cards
PalmCall Starter Visa
PalmCall Campus Mastercard
Pinecrest Rewards 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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