Credit cards
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.
- Purchase APR
- 12.49% to 17.49% variable APR
- Annual fee
- $0
What you get
Rewards: No rewards. The low rate is the reward.
- APR roughly 7 points below a typical rewards card
- Free balance transfers in your first 90 days as a cardholder
- Fixed payoff plans: split a big purchase into equal payments
- Same instant lock, alerts, and $0 fraud liability
The honest part: No points and no miles, on purpose. If you sometimes carry a balance, a low rate beats any rewards program. That's just arithmetic.
| Item | Detail |
|---|---|
| Purchase APR | 12.49% to 17.49% variable |
| Balance transfer fee | Free in your first 90 days, then 3% |
| Cash advance APR | 17.49% 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.
Why no rewards?
Rewards cost money to run, and that cost shows up in the rate. TrustLine skips them so the rate can stay lower.
How do fixed payoff plans work?
Pick a purchase over $250 and split it into 6, 12, or 18 equal monthly payments at a set rate. The plan shows the total cost before you say yes.
Is TrustLine good for building credit?
It can be. Starting limits are modest, there's no annual fee, and paying on time every month builds your history. Every application is subject to approval.
The other card
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.
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.