Purchase with Purpose

Beneficial State Bank Credit Cards

Choose from responsible credit options. Build credit. Earn rewards. Donate to your favorite nonprofit. Take advantage of flexible qualifying and no over-the-limit credit fees.

Which card is right for you?

Select a Beneficial State Visa Card that aligns with your needs and values.


Beneficial Builder
Beneficial Resilience
Beneficial Rewards1

Perfect for those of us building, repairing, or new to credit.


Great if you desire simplicity or if you tend to carry a balance.


Built for those with a strong credit history who want rewards for everyday purchases.

$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

Perfect for those of us building, repairing, or new to credit.

$300-$10,000 credit line+
Security deposit required*
Beneficial Resilience

Great if you desire simplicity or if you tend to carry a balance.

$300-$25,000 credit line+
No security deposit required
Beneficial Rewards1

Built for those with a strong credit history who want rewards for everyday purchases.

$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 card has an annual fee of $25. Beneficial Resilience and Beneficial Rewards have no annual fee.
1 Beneficial Rewards is our Visa Signature card. Earn 1 point for every dollar spent. Redeem points for merchandise, airline tickets, cash back, and charitable donations.
+ Subject to credit approval and income.
*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


pay icons


woman using her credit card



man looking up credit card information on his phone


We're here to help support_agent_black_24dp.svg#asset:4095

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