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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 & PalmTravel Credit CardsFifteen cards, one family — from a secured card for rebuilding credit to metal cards with lounge access. Earn rewards on the things you already buy — wireless service, groceries, dining, travel and Stay Shores resort stays — and get an instant decision when you apply. Existing Pinecrest and PalmCall customers can apply online, in any Pinecrest store, or by calling 611.  Mastercard •••• •••• •••• #### Pinecrest Secured Mastercard | Rebuild your credit - approval even after past credit problems. 1 point per $1 on Pinecrest and PalmCall bills - 1 point per $2 on everything else
No welcome bonus - your reward is a stronger credit score
Annual fee: $0 annual fee
Purchase APR: 27.49% variable Apply now » Card details |  Visa •••• •••• •••• #### PalmCall Starter Visa | Your first credit card - no credit history needed, no deposit. 2% cash back on your PalmCall bill - 1% cash back on everything else
A $25 statement credit after you spend $300 in your first 90 days
Annual fee: $0 annual fee
Purchase APR: 28.99% - 31.99% variable Apply now » Card details |  Mastercard •••• •••• •••• #### PalmCall Campus Mastercard | Built for college students - rewards on the basics and a good-grades bonus. 3 points per $1 on dining and takeout - 2 points on groceries and your PalmCall bill - 1 point on everything else
5,000 bonus points after you spend $250 in your first 90 days
Annual fee: $0 annual fee
Purchase APR: 26.49% - 30.49% variable Apply now » Card details | Mastercard •••• •••• •••• #### Pinecrest Rewards Mastercard | Build your credit and earn rewards - approval for fair credit. 1.5 points per $1 on Pinecrest and PalmCall bills - 1 point on everything else
2,500 bonus points after you spend $200 in your first 90 days
Annual fee: $0 annual fee at 640+; $49 for 580-639
Purchase APR: 26.99% - 34.99% variable Apply now » Card details | Visa Signature •••• •••• •••• #### PalmTravel Visa Signature | Travel rewards for good credit, with no foreign transaction fees. 3 points per $1 on travel and IslandRoam passes - 2 points on dining - 1 point on everything else
20,000 bonus points after you spend $1,500 in your first 90 days
Annual fee: $0 annual fee at 720+; $75 for 670-719 (waived the first year)
Purchase APR: 21.99% - 28.99% variable Apply now » Card details | American Express •••• •••• •••• #### PalmTravel American Express | Premium travel rewards for very good to excellent credit. 3 points per $1 on travel and IslandRoam - 2 points on dining and groceries - 1 point on everything else
50,000 bonus points after you spend $3,000 in your first 90 days
Annual fee: $0 annual fee at 780+; $95 for 740-779 (waived the first year)
Purchase APR: 18.99% - 25.99% variable Apply now » Card details | American Express •••• •••• •••• #### Pinecrest Communications Elite Cashback American Express | Our best cash back and lowest rates, for excellent credit. 5% cash back on Pinecrest and PalmCall wireless - 3% at grocery stores and gas stations - 2% on dining - 1.5% on everything else
A $300 statement credit after you spend $2,000 in your first 90 days
Annual fee: $0 annual fee at 820+; $95 for 800-819
Purchase APR: 15.99% - 22.99% variable Apply now » Card details | | Premium rewards for excellent credit. 4 points per $1 on Stay Shores - 2 points on all other purchases
60,000 bonus points after you spend $4,000 in your first 90 days
Annual fee: $0 annual fee
Purchase APR: 9.99% - 14.99% variable Apply now » Card details | | Elite-level rewards for discerning travelers. 5 points per $1 on Stay Shores - 3 points on all other travel - 2 points on everything else
120,000 bonus points after you spend $8,000 in your first 90 days
Annual fee: $395 annual fee
Purchase APR: 8.99% - 13.99% variable Apply now » Card details |  Visa Infinite •••• •••• •••• #### Pinecrest Obsidian Visa Infinite | A metal card for people who expect more from every trip and every meal. 3 points per $1 on travel and dining - 2 points on wireless - 1.5 points on everything else
90,000 bonus points after you spend $6,000 in your first 90 days
Annual fee: $550 annual fee
Purchase APR: 17.49% - 24.49% variable Apply now » Card details |  World Elite Mastercard •••• •••• •••• #### PalmTravel Reserve World Elite Mastercard | For frequent flyers and island hoppers: the most points on travel. 5 points per $1 on flights, hotels and IslandRoam - 3 points on dining - 2 points on wireless - 1 point on everything else
75,000 bonus points after you spend $5,000 in your first 90 days
Annual fee: $450 annual fee
Purchase APR: 18.49% - 25.49% variable Apply now » Card details |  American Express •••• •••• •••• #### Pinecrest Sovereign American Express | Our most exclusive card - a rose-gold metal card with a personal relationship manager. 4 points per $1 on travel and dining - 3 points on wireless - 2 points on everything else
150,000 bonus points after you spend $15,000 in your first 90 days
Annual fee: $995 annual fee
Purchase APR: 14.99% - 19.99% variable Apply now » Card details |  Mastercard •••• •••• •••• #### Tidewater Air Takeoff | Earn Tidewater Air miles while you build credit - no credit history needed. 2 miles per $1 on Tidewater Air flights - 1 mile per $1 on your PalmCall or Pinecrest bill - 1 mile per $2 on everything else
5,000 bonus miles after your first purchase
Annual fee: $0 annual fee at 580+; $29 below 580
Purchase APR: 28.99% variable Apply now » Card details | Visa Signature •••• •••• •••• #### Tidewater Air Horizon | Free checked bags, priority boarding and a yearly companion fare on Tidewater Air. 3 miles per $1 on Tidewater Air flights - 2 miles on dining and other travel - 1 mile on everything else
40,000 bonus miles after you spend $2,000 in your first 3 months
Annual fee: $49 at 850+; $69 at 800-849; $95 at 740-799; $119 at 670-739 (every fee waived the first year)
Purchase APR: 20.24% - 27.24% variable Apply now » Card details |  American Express •••• •••• •••• #### Tidewater Air Diamond | Unlimited lounge access, first boarding and a companion certificate every year, for big spenders. 5 miles per $1 on Tidewater Air flights - 3 miles on dining and all travel - 1.5 miles on everything else
100,000 bonus miles after you spend $6,000 in your first 6 months
Annual fee: $495 at 850+ (including Priority clients); $595 at 800-849; $695 at 760-799
Purchase APR: 20.24% - 27.24% variable Apply now » Card details |
Building credit | | Secured Mastercard | Starter Visa | Campus Mastercard | Rewards Mastercard | Tidewater Air Takeoff |
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| Best for | Rebuild your credit - approval even after past credit problems. | Your first credit card - no credit history needed, no deposit. | Built for college students - rewards on the basics and a good-grades bonus. | Build your credit and earn rewards - approval for fair credit. | Earn Tidewater Air miles while you build credit - no credit history needed. | | Rewards | 1 point per $1 on Pinecrest and PalmCall bills - 1 point per $2 on everything else | 2% cash back on your PalmCall bill - 1% cash back on everything else | 3 points per $1 on dining and takeout - 2 points on groceries and your PalmCall bill - 1 point on everything else | 1.5 points per $1 on Pinecrest and PalmCall bills - 1 point on everything else | 2 miles per $1 on Tidewater Air flights - 1 mile per $1 on your PalmCall or Pinecrest bill - 1 mile per $2 on everything else | | Welcome offer | No welcome bonus - your reward is a stronger credit score | A $25 statement credit after you spend $300 in your first 90 days | 5,000 bonus points after you spend $250 in your first 90 days | 2,500 bonus points after you spend $200 in your first 90 days | 5,000 bonus miles after your first purchase | | Purchase APR | 27.49% variable | 28.99% - 31.99% variable | 26.49% - 30.49% variable | 26.99% - 34.99% variable | 28.99% variable | | Annual fee | $0 annual fee | $0 annual fee | $0 annual fee | $0 annual fee at 640+; $49 for 580-639 | $0 annual fee at 580+; $29 below 580 | | Foreign transaction fee | 3% | 3% | None | 3% | 3% | | Credit needed | No credit, or credit that needs rebuilding | Little or no credit history | Students with little or no credit history | Fair credit or better, including people building their credit | New or rebuilding credit | | Credit lines | $200 - $2,500 | $300 - $1,500 | $300 - $2,000 | $300 - $3,000 | $200 - $2,500 |
Everyday & travel | | PalmTravel Visa Signature | PalmTravel American Express | PalmTravel | Stay Shores | Tidewater Air Horizon |
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| Best for | Travel rewards for good credit, with no foreign transaction fees. | Premium travel rewards for very good to excellent credit. | Premium rewards for excellent credit. | Free checked bags, priority boarding and a yearly companion fare on Tidewater Air. | | Rewards | 3 points per $1 on travel and IslandRoam passes - 2 points on dining - 1 point on everything else | 3 points per $1 on travel and IslandRoam - 2 points on dining and groceries - 1 point on everything else | 4 points per $1 on Stay Shores - 2 points on all other purchases | 3 miles per $1 on Tidewater Air flights - 2 miles on dining and other travel - 1 mile on everything else | | Welcome offer | 20,000 bonus points after you spend $1,500 in your first 90 days | 50,000 bonus points after you spend $3,000 in your first 90 days | 60,000 bonus points after you spend $4,000 in your first 90 days | 40,000 bonus miles after you spend $2,000 in your first 3 months | | Purchase APR | 21.99% - 28.99% variable | 18.99% - 25.99% variable | 9.99% - 14.99% variable | 20.24% - 27.24% variable | | Annual fee | $0 annual fee at 720+; $75 for 670-719 (waived the first year) | $0 annual fee at 780+; $95 for 740-779 (waived the first year) | $0 annual fee | $49 at 850+; $69 at 800-849; $95 at 740-799; $119 at 670-739 (every fee waived the first year) | | Foreign transaction fee | None | None | None | None | | Credit needed | Good credit (or better) | Very good to excellent credit | Excellent credit | Good to excellent credit | | Credit lines | $5,000 - $20,000 | $5,000 - $30,000 | $7,500 - $35,000 | $5,000 - $25,000 |
Premium | | Elite Cashback American Express | PalmTravel Elite | Stay Shores | Obsidian Visa Infinite | PalmTravel Reserve | Sovereign American Express | Tidewater Air Diamond |
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| Best for | Our best cash back and lowest rates, for excellent credit. | Elite-level rewards for discerning travelers. | A metal card for people who expect more from every trip and every meal. | For frequent flyers and island hoppers: the most points on travel. | Our most exclusive card - a rose-gold metal card with a personal relationship manager. | Unlimited lounge access, first boarding and a companion certificate every year, for big spenders. | | Rewards | 5% cash back on Pinecrest and PalmCall wireless - 3% at grocery stores and gas stations - 2% on dining - 1.5% on everything else | 5 points per $1 on Stay Shores - 3 points on all other travel - 2 points on everything else | 3 points per $1 on travel and dining - 2 points on wireless - 1.5 points on everything else | 5 points per $1 on flights, hotels and IslandRoam - 3 points on dining - 2 points on wireless - 1 point on everything else | 4 points per $1 on travel and dining - 3 points on wireless - 2 points on everything else | 5 miles per $1 on Tidewater Air flights - 3 miles on dining and all travel - 1.5 miles on everything else | | Welcome offer | A $300 statement credit after you spend $2,000 in your first 90 days | 120,000 bonus points after you spend $8,000 in your first 90 days | 90,000 bonus points after you spend $6,000 in your first 90 days | 75,000 bonus points after you spend $5,000 in your first 90 days | 150,000 bonus points after you spend $15,000 in your first 90 days | 100,000 bonus miles after you spend $6,000 in your first 6 months | | Purchase APR | 15.99% - 22.99% variable | 8.99% - 13.99% variable | 17.49% - 24.49% variable | 18.49% - 25.49% variable | 14.99% - 19.99% variable | 20.24% - 27.24% variable | | Annual fee | $0 annual fee at 820+; $95 for 800-819 | $395 annual fee | $550 annual fee | $450 annual fee | $995 annual fee | $495 at 850+ (including Priority clients); $595 at 800-849; $695 at 760-799 | | Foreign transaction fee | None | None | None | None | None | None | | Credit needed | Excellent credit | Excellent credit | Very good to excellent credit | Very good to excellent credit | Excellent credit | Excellent credit and high spending (also by invitation for Priority clients) | | Credit lines | $15,000 - $75,000 | $15,000 - $100,000 | $20,000 - $150,000 | $15,000 - $90,000 | $50,000 - $250,000 | $20,000 - $150,000 |
How it works: 1. Sign in to My PalmCall and apply (about five minutes). 2. Get an instant decision - approved customers see their credit limit, APR and any annual fee. 3. Activate your card and manage it online. Pinecrest Communications and PalmCall Wireless are fictional companies. These credit cards are part of a demonstration and are not real offers of credit; no real credit check is made and no real card is issued. Approval, credit limit, APR and any annual fee that varies by creditworthiness are decided instantly from a pretend credit profile. Only fictional test Social Security numbers are accepted.
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