Credit Cards

Credit Cards the way they were meant to be.

Want a credit card that makes your life easier? You’ve found it. Patelco credit cards come with low interest rates that stay low – even if you’re late with a payment or two. Your balance won’t become a burden and you’ll have the power to spend as you please with the following features:

  • Low variable rates
  • No annual fees
  • No penalty rate hikes
  • 25-day grace period on purchases
  • No over-limit fees
  • Same rate for purchases and balance transfers


Apple Pay™ is here!


Patelco now offers Apple Pay, the simple, convenient, secure way to pay in stores or within apps. Apple Pay eliminates the need to carry your wallet and uses Touch ID™ or passcode on your iPhone®, Apple Watch®, or iPad® to make purchases. With state-of-the-art contactless payment technology and security features, your personal information is never revealed.

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Credit Card Icon

Introducing the Patelco Secured Visa Classic

Having trouble qualifying for a credit card? This unique card can help you establish and improve your credit, and eventually you could qualify for a higher limit or even graduate to an unsecured card!

With your deposit into a special, interest-bearing savings account, you’ll get a competitive rate on a limit between $300 and $3,000.

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Visa Platinum Visa Gold Visa Classic/
Student Visa
Secured Visa Classic

Patelco’s most premium card with a bank-beating rate. No surprise penalty rates, confusing terms, or hidden fees. Carry the card that shines.

  • Variable rates as low as 8.15% APR1
  • 1% cash back on all qualifying purchases2
  • No annual fee
  • Limits up to $25,000
  • Price Protection, roadside assistance, and rental car protection

With each purchase you make, you can earn gift cards, travel, merchandise, and more. Plus enjoy a great rate, and buying power by being able to use your card at millions of places worldwide.

If you are looking for a Visa credit card with rate options that meet your lifestyle needs, go with the Visa Classic/Student Visa.4 This card offers a convenient, flexible, secure way to build solid credit.

  • Variable rates as low as 13.15% APR1
  • Limits up to $5,000 ($1,000 for students)
  • Roadside assistance and rental car collision protection

The Patelco secured Visa Classic card can help you obtain and improve your credit, even if you're not able to qualify for other credit cards.

  • Variable rates as low as 15.15% APR1
  • Competitive credit limit between $300 - $3,000
  • Earn interest on funds deposited in a savings account to secure your card
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  1. Variable APR as of 2/21/14. Rate adjusts monthly and equals prime rate for previous month plus a margin range based on credit worthiness. Applies to Purchases and Balance Transfers.
  2. Rebate to be paid is calculated each year on November 15 and paid shortly thereafter in the form of a deposit to the cardholder's Tiered Savings account.
  3. $25 annual fee to opt-in. Subsequent annual fees will be charged on your opt-in anniversary date.
  4. Subject to credit approval. In some cases a co–applicant may be required.