PalmCall Starter Visa
Your first credit card - no credit history needed, no deposit.
| Rewards | 2% cash back on your PalmCall bill - 1% cash back on everything else |
| Welcome offer | A $25 statement credit after you spend $300 in your first 90 days |
| Purchase APR | 28.99% - 31.99% variable |
| Annual fee | $0 annual fee |
| Foreign transaction fee | 3% |
| Credit lines | $300.00 to $1,500.00, based on your income and credit |
Benefits
- No security deposit - an unsecured card for people new to credit
- We consider your PalmCall payment history, not just a credit file
- A credit line increase review after 6 months of on-time payments
- Reports to all three credit bureaus every month
- Free credit score on every statement
- Zero liability for unauthorized purchases
Who can apply
Pinecrest and PalmCall customers who are at least 18. This card is designed for people with little or no credit history and at least $5,000.00 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.
Rates & fees
| Annual percentage rate (APR) for purchases | 28.99% - 31.99% 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 | 32.99% - 35.99% 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: 5% (min $10). Cash advance: either $10 or 5% of the amount of each cash advance, whichever is greater. Foreign transaction: 3%. |
| Penalty fees | Late payment: up to $29.00. Returned payment: up to $29.00. |
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.
See our other cards
- Pinecrest Secured Mastercard
- 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
This is a demonstration. PalmCall and Pinecrest are fictional companies 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.
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