Three Credit Cards Stacked on Each Other

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 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*

Beneficial Resilience

Beneficial Resilience Credit Card

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

No security deposit required

Climate Card

Climate Card

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

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.
* 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.

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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
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Credit Card Customer Service

For existing credit card customers:


Hours: Available 24/7

For questions about our products or an existing application:


Hours: Monday – Friday, 9am – 5pm PT