Purchase with Purpose

Three Credit Cards Stacked on Each Other: Climate Card, Beneficial Resilience, Beneficial Builder

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. All three cards offer zero fraud liability.*

Climate Card

Climate Card

Earn rewards for everyday purchases and support climate-related nonprofits.1

No annual fee
Rewards: 1 point for every dollar spent

Beneficial Resilience

Beneficial Resilience Credit Card

Your next step in building credit, with a lower credit limit.

No annual fee
No rewards program

Beneficial Builder

Beneficial Builder Credit Card

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

Speak to a banker at a branch near you to set up a security deposit.2
No rewards program

Additional Details:
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.
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.
* Refer to Cardholder Agreement for full details.
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. Learn how to donate or redeem your Climate Card points.
2 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.

Woman sits on couch using laptop and holding up an orange credit card

Benefits of your Beneficial State Bank Visa credit card

  • Zero liability protection
  • Ability to lock and unlock your card using SecurLOCK
  • No penalty pricing or over-the-credit-limit fees
  • Add cardholders to account for no fee
  • Travel notifications
  • Auto rental collision damage waiver
  • Roadside dispatch
  • Contactless payments, including Apple Pay, Google Pay, and Samsung Pay
Apple Pay, Google Pay, and Samsung Pay icons

Credit Card Customer Service

Man wearing winter clothes holds his phone and a credit card
For existing credit card customers:


Hours: Available 24/7

For questions about products or an existing application:


Hours: Monday – Friday, 9am – 5pm Pacific Time