A great choice if you carry a balance
Great for balance transfers and consolidating debt
No Annual Fees
|Standard APR||Balance Transfer APR||Cash Advance APR||Annual Fee|
|11.90% to 21.70%, based on your credit worthiness||11.90% to 21.70%, based on your credit worthiness||18.50% to 23.50%, based on your credit worthiness||None|
Scroll through the box below to read important disclosures
|Interest Rates and Interest Charges|
|Annual Percentage Rate (APR) for Purchases||The standard variable APR for purchases is 11.90% to 21.70% max rate, based on your creditworthiness. Your APR will vary with the market based on the Prime Rate.|
|Annual Percentage Rate (APR) for Balance Transfers||11.90% to 21.70% based on your creditworthiness. Your APR will vary with the market based on the Prime Rate.|
|Annual Percentage Rate (APR) for Cash Advances||18.50% to 23.50% based on your creditworthiness. Your APR will vary with the market based on the Prime Rate.|
|Penalty APR and When It Applies||None|
|How to Avoid Paying Interest on Purchases||Your due date is 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay entire balance by the due date each month.|
|Minimum Interest Charge||There is no minimum interest charge. You will be charged any interest due, regardless of the amount.|
|For Credit Card Tips from the
Consumer Financial Protection Bureau
|To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at
|• Balance Transfer Fee||Either $5 or 2% of the amount of each transfer, whichever is greater.|
|• Cash Advance Fee||Either $5 or 2% of the amount of each transfer, whichever is greater.|
|• Foreign Fees||1% of each transaction in U.S. dollars.|
|• Late Payment Fee||Up to $10|
|• Return Payment Fee||Up to $25|
|• Regular Shipment of Card||No fee.|
|• Expedited Card Shipment||A Rush Fee of $35 may be charged to Your Account for each Rush card that You request.|
How we Calculate Your Balance: We use a method called “average daily balance”. See your account agreement for further information regarding how we calculate your balance.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights are provided on the back of your monthly credit card statement and included when receiving a new or replacement card.
Important Information About Procedures for Opening a New Account
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.
How We Will Calculate Your Variable APRs: We calculate variable APRs by adding a margin to the highest U.S. Prime Rate published in the Money Rates section of The Wall Street Journal two business days (not weekends or federal holidays) before the closing date shown on your billing statement. The APR may increase or decrease each month if the Prime Rate changes. Any new rate will be applied as of the first day of your billing cycle during which the Prime Rate has changed. If the APR increases, you will pay a higher interest charge and may pay a higher minimum payment. The Prime Rate is simply a reference index and is not the lowest interest rate available. If The Wall Street Journal stops publishing the Prime Rate, we will select a similar reference rate.
Prime Rate: Variable APRs are based on the 3.50% Prime Rate as of April 15, 2022.
Purchase APR: For Purchase transactions, we add a Margin of 8.4% - 18.2% to the Prime Rate of 3.50%. The Purchase APR may increase or decrease each month if the Prime Rate changes but will not exceed the maximum rate of 26.00%.
Cash Advance APR: For Cash transactions, we add a Margin of 15% - 20% to the Prime Rate of 3.50%. The Cash APR may increase or decrease each month if the Prime Rate changes but will not exceed the maximum rate of 26.00%.
Military Lending APR:
Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged other than certain participation fees for a credit card account). To receive this information and a description of your payment obligation, please call toll free 833-362-9226 or direct 559-421-9043.
Notices and Disclosures
The minimum credit limit, provided you meet the terms and conditions of a Visa Platinum Credit Card (Beneficial Resilience) and Beneficial State Bank's underwriting criteria, is $500. For Visa Signature Card (Climate Card) and Beneficial State Bank's underwriting criteria, is $5,000. You agree that the Beneficial State Bank will determine the amount of credit extended in its sole discretion, as well as which product you qualify for, based on the Beneficial State Bank's underwriting criteria. If you do not qualify for the product or pricing requested or for the lowest pricing offered, you authorize the Beneficial State Bank to grant you the product and pricing for which you do qualify.
REWARDS PROGRAM: The Rewards Program is only offered for the Visa Signature Credit Card (Climate Card). If you are approved for a Visa Signature Credit Card (Climate Card), you and each authorized user agree to the terms and conditions of the Rewards Program which will be provided on the rewards website once you are approved and registered on the website.