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Visa Classic |
Visa Gold |
MasterCard |
| APR* for purchases |
14.9%1 |
8.9%1 |
10.90%2 |
| Method of computing balance for purchases |
Average daily balance including new purchases |
Average daily balance including new purchases |
Average daily balance including new purchases |
Grace period
(purchases) |
25 days |
25 days |
25 days |
| Annual fee |
None |
None |
None |
| Annual fee for Patelco Points Rewards Program |
None |
$25 Opt-in Required |
None |
| Minimum finance charge |
None |
None |
None |
| Transaction fee for purchases |
1%, on each non-US transaction |
1%, on each non-US transaction |
1%, on each non-US transaction |
| Transaction fee for cash advances |
2.5%3 |
2.5%3 |
2.5%4 |
- Late fee is $10 if payment is 10 or more days late
- No over-limit fee
* Annual Percentage Rate. Purchase rate applies to cash advances and balance transfers. No penalty rate.
1 - Fixed APR. If you already
have a Visa Gold card, you can lower your rate to as low as 8.9% by increasing
your balance by $1,000, either through purchases or a cash
advance.
2 - Variable APR as of 6/16/2008. Rate adjusts monthly and
equals prime rate for previous month plus 5.9%.
3 - Includes balance transfers to other creditors. Patelco charges 2.5% of the transaction amount, $2.50 minimum, $25 maximum. For cash advance transactions initiated outside the US, VISA adds a 1% ISA to the transaction amount, and we pass the ISA onto you.
4 - Includes balance transfers to other creditors. Patelco charges 2.5% of the transaction amount, $2.50 minimum, $25 maximum.
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Apply online for
instant approval.
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Deduct the interest
from your taxes with
a Courtesy Lien.
Courtesy Lien
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Equal Housing Lender