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Pinecrest & PalmTravel credit cards
Fifteen cards, one family — from a secured card that helps you rebuild your credit to metal cards with lounge access and a personal concierge. 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 about five minutes. Already a cardholder? Manage your cards in Pinecrest Online Banking.
Jump to: Building credit · Everyday & travel · Premium
Building credit — No credit history, or rebuilding it
Pinecrest Secured Mastercard
Mastercard
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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
PalmCall Starter Visa
Visa
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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
PalmCall Campus Mastercard
Mastercard
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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
Pinecrest Rewards Mastercard
Mastercard
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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
Tidewater Air Takeoff Secured Mastercard
Mastercard
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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
Compare: Building credit
| Secured Mastercard | Starter Visa | Campus Mastercard | Rewards Mastercard | Tidewater Air Takeoff | |
|---|---|---|---|---|---|
| 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 | $200.00 - $2,500.00 | $300.00 - $1,500.00 | $300.00 - $2,000.00 | $300.00 - $3,000.00 | $200.00 - $2,500.00 |
Everyday & travel — Rewards for good to excellent credit
PalmTravel Visa Signature
Visa Signature
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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
PalmTravel American Express
American Express
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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
PalmTravel | Stay Shores
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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
Tidewater Air Horizon Visa Signature
Visa Signature
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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
Compare: Everyday & travel
| PalmTravel Visa Signature | PalmTravel American Express | PalmTravel | Stay Shores | Tidewater Air Horizon | |
|---|---|---|---|---|
| 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 | $5,000.00 - $20,000.00 | $5,000.00 - $30,000.00 | $7,500.00 - $35,000.00 | $5,000.00 - $25,000.00 |
Premium — Luxury benefits for excellent credit
Pinecrest Communications Elite Cashback American Express
American Express
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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
PalmTravel Elite | Stay Shores
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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
Pinecrest Obsidian Visa Infinite
Visa Infinite
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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
PalmTravel Reserve World Elite Mastercard
World Elite Mastercard
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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
Pinecrest Sovereign American Express
American Express
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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
Tidewater Air Diamond American Express
American Express
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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
Compare: Premium
| Elite Cashback American Express | PalmTravel Elite | Stay Shores | Obsidian Visa Infinite | PalmTravel Reserve | Sovereign American Express | Tidewater Air Diamond | |
|---|---|---|---|---|---|---|
| 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 | $15,000.00 - $75,000.00 | $15,000.00 - $100,000.00 | $20,000.00 - $150,000.00 | $15,000.00 - $90,000.00 | $50,000.00 - $250,000.00 | $20,000.00 - $150,000.00 |
1. Apply
Sign in to My PalmCall, choose a card and answer a few questions. It takes about five minutes.
2. Get an instant decision
We tell you right away. If you are approved you will see your credit limit, APR and any annual fee.
3. Activate and manage
Activate your card, pay your bill, watch your rewards and lock the card if you lose it — all in My PalmCall.
Not signed up for online access yet? You can apply in any Pinecrest store or by calling 611. Set up your online account or sign in.
PalmCall Wireless and Pinecrest Communications 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. Mastercard, Visa and American Express are used only to describe the pretend card networks on this site. Only fictional test Social Security numbers are accepted. Approval, credit limit, APR and any annual fee that varies by creditworthiness are decided instantly from your (fictional) credit profile.
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