Great if you desire simplicity or if you tend to carry a balance.
Purchase with Purpose
Beneficial State Bank Credit Cards
Choose from responsible credit options. Build credit, earn rewards, and donate to your favorite nonprofit, including organizations that protect and care for the environment.
Which card is right for you?
Select a Beneficial State Visa Card that aligns with your needs and values.
Beneficial Builder
Beneficial Resilience
Climate Card1
Perfect for those of us building, repairing, or new to credit.
Great if you desire simplicity or if you tend to carry a balance.
Earn rewards for everyday purchases and support climate-related nonprofits.
$300-$10,000 credit line+
$300-$25,000 credit line+
$5,000-$50,000 credit line+
Security deposit required*
No security deposit required
No security deposit required
Beneficial Builder
$300-$10,000 credit line+
Security deposit required*
Beneficial Resilience
$300-$25,000 credit line+
No security deposit required
Climate Card1
$5,000-$50,000 credit line+
No security deposit required
Additional Details:
Grace period of 25 days before purchases incur a finance charge.
Beneficial Builder has an annual fee of $25. Beneficial Resilience and Climate Card have no annual fee.
1 Climate Card is our Visa Signature card. Earn 1 point for every dollar spent. Redeem points for merchandise, airline tickets, cash back, and charitable donations to pre-approved nonprofit organizations that align with your values.
+ Subject to credit approval and our underwriting criteria.
*Secured card deposit accounts must be established at Beneficial State Bank and be in good standing prior to credit approval. Credit lines cannot exceed available deposit amount.
Grace period of 25 days before purchases incur a finance charge.
Beneficial Builder has an annual fee of $25. Beneficial Resilience and Climate Card have no annual fee.
1 Climate Card is our Visa Signature card. Earn 1 point for every dollar spent. Redeem points for merchandise, airline tickets, cash back, and charitable donations to pre-approved nonprofit organizations that align with your values.
+ Subject to credit approval and our underwriting criteria.
*Secured card deposit accounts must be established at Beneficial State Bank and be in good standing prior to credit approval. Credit lines cannot exceed available deposit amount.
Benefits of your Beneficial State Bank Visa credit card
- 25-day grace period
- Minimum payment: the greater of 2% or $10
- Ability to lock and unlock your cards using SecurLOCK
- No penalty pricing
- No over-the-credit-limit fees
- Travel notifications
- Extra card for authorized users
We're here to help 
For existing credit card customers:
833-498-2464
Hours: Available 24/7
For questions about our products or an existing application:
800-550-5790
Hours: Monday – Friday, 9am – 5pm PT