Card
Network

Mastercard
Bank

Beneficial State Bank
Issuing
Country

United States
User
Category

Consumer
Card
Type

Unsecured
Credit
Recommended

Excellent/Good
Interest Rates
Maintenance Fees
Customer Service
Features & Benefits
Reward Program
Card Overall Rating

MAIN CARD FEATURE

$300 cash back after the $3,000 min spend in the first 3 months of account opening1

CARD DETAILS

  • $300 cash back after the $3,000 min spend in the first 3 months of account opening1
  • 0.5% cash back on all purchases
  • 1% cash back on all purchases every month carbon zero is reached
  • Reward can be redeemed as cash or trees. Go carbon-neutral every month you plant 60 trees
  • A climate-change fighting tree planted with every swipe.
  • See terms & conditions
+ Pros
  • Cash back rewards.
  • Extra cash back rewards once carbon zero is reached.
  • Possibility to redeem rewards as cash or trees.
- Cons
  • Annual fee.

REWARDS: Cash Back

Rewards Program
  • 0.5% cash back on all purchases
  • 1% cash back on all purchases every month carbon zero is reached
Rewards Bonus
$300 cash back after the $3,000 min spend in the first 3 months of account opening1
Redemption Options
Reward can be redeemed as cash or trees. Go carbon-neutral every month you plant 60 trees

PURCHASES

Intro
APR

N/A
Ongoing
APR

11.65% to 21.45%
Penalty
APR

None
Minimum Grace
Period

N/A
Minimum Interest
Charge

There is no minimum interest charge. You will be charged any interest due, regardless of the amount.

BALANCE TRANSFERS

Intro
APR

N/A
Ongoing
APR

11.65% to 21.45%
Balance Transfer
Fee

Either $5 or 3% of the amount of each transfer, whichever is greater.
Penalty
APR

None
Minimum Grace
Period

N/A

CASH ADVANCE

Intro
APR

N/A
Ongoing
APR

18.25% to 23.25%
Cash Advance
Fee

Either $10 or 5% of the amount of each transfer, whichever is greater.
Penalty
APR

None
Minimum Grace
Period

N/A

GENERAL FEES

Application Processing
Fee

See terms
Annual
Fee

$60
Foreign Transaction
Fee

2% of each transaction in U.S. dollars.
Late Payment
Fee

Up to $10
Card Overall Rating
APPLY
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