Credit cards
Community Cash Card
Simple cash back, no games
1.5% cash back on everything and 3% at member-owned local businesses, paid into your savings each month. No annual fee, no foreign transaction fees, and no penalty APR.
- Purchase APR
- 19.49% to 25.49% variable APR
- Annual fee
- $0
What you get
Rewards: 1.5% cash back on everything; 3% at member-owned local businesses
- Cash back lands in your savings automatically each month
- No foreign transaction fees
- No penalty APR: one late month doesn't reprice your whole balance
- Instant card lock and real-time purchase alerts
The honest part: Rewards cards only win if you pay in full. If you carry a balance most months, the TrustLine card will save you more than 1.5% back earns.
| Item | Detail |
|---|---|
| Purchase APR | 19.49% to 25.49% variable |
| Intro APR | None. No teaser rates. |
| Balance transfer fee | 3% of the amount (minimum $5) |
| Cash advance APR | 25.49% variable |
| Late payment fee | Up to $25 |
| Foreign transaction fee | $0 |
| Penalty APR | None |
| Annual fee | $0 |
Sample terms for a fictional card, as of October 2026. APRs are variable and depend on your credit. Every application is subject to credit approval.
Questions
What cardholders ask
Want the full comparison with a worked example? See both cards side by side.
Where does the 3% back apply?
At local businesses that bank with Greater Trust and join the free Community Cash network. Look for the sticker at the register, or check the list in the app.
When do I get my cash back?
It's added to your savings automatically each month, after your statement closes. No points to redeem and no expiry date.
What credit do I need?
We look at your whole history, not only a score. Your rate within the range depends on your credit, and every application is subject to approval.
The other card
TrustLine Card: the lowest rate we can responsibly offer
A low-rate card for months when the balance rolls over. Free balance transfers in your first 90 days, fixed payoff plans for big purchases, and no annual fee.
Apply in the same visit as your membership
Membership starts with a $5 share. Card applications are reviewed by people in Roslindale, and we explain the answer either way.