Beneficial BuilderBeneficial State Bank · NM bank, CA · FDIC 58490
CurrentLast observed Oct 14, 2026Official issuerCredit card · Consumer · secured
Purchase APR
—
Balance transfer
—
Cash advance APR
—
Foreign fee
—
Grace period
—
Rates and fees
| Term | Value | As printed in the source | Source |
|---|---|---|---|
| APR for purchases | — | no source read | |
| APR for balance transfers | — | no source read | |
| APR for cash advances | — | no source read | |
| Penalty APRafter a late or returned payment | — | no source read | |
| Paying interestgrace period on new purchases | — | no source read | |
| Annual fee | Beneficial Builder, Beneficial Resilience, and Climate Card have no annual fee.Beneficial State Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “Beneficial Builder, Beneficial Resilience, and Climate Card have no annual fee.”Beneficial State Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Transaction fees | |||
| Cash advance | — | no source read | |
| Balance transfer | — | no source read | |
| Foreign transaction | — | no source read | |
| Penalty fees | |||
| Late payment | — | no source read | |
| Returned payment | — | no source read | |
| Opening conditions | At this time, we can only accept applications for the Climate Card, Beneficial Resilience card, or Beneficial Builder card if you live in California, Oregon, or Washington state.Beneficial State Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “At this time, we can only accept applications for the Climate Card, Beneficial Resilience card, or Beneficial Builder card if you live in California, Oregon, or Washington state.”Beneficial State Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Opening conditions | Secured card deposit account must be established at Beneficial State Bank and be in good standing prior to credit approval. Credit lines cannot exceed available deposit amount.Beneficial State Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “Secured card deposit account must be established at Beneficial State Bank and be in good standing prior to credit approval. Credit lines cannot exceed available deposit amount.”Beneficial State Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |