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You’re ready for anything life throws your way with a Patelco Pure MasterCard®. It’s the smart, easier way to access your money and pay for everyday purchases anywhere MasterCard is accepted around the globe—at the ATM, in—store, online, or by phone. Plus, our Patelco Pure MasterCard offers you the highest protection at the point of purchase with EMV chip and PIN technology.
0% Balance Transfer APR for 6 months on transfers made within the first 90 days of opening your Pure Mastercard card.
Secured Credit Card Option Available
Have no credit or looking to re-build credit? We also offer our Patelco Pure Secured MasterCard. (View Full Terms & Conditions) Just deposit cash in the amount equal to 100% of your approved credit into an interest–bearing savings account, and you can build or re-build your credit in no time.
View full Guide to Benefits
|Interest Rates and Interest Charges|
|Annual Percentage Rate (APR) for Purchases||7.45% to 11.45% based on your credit worthiness. This APR will vary with the market based on the Prime Rate.|
|APR for Balance Transfers||0% introductory APR for the first 6 billing cycles on balance transfers posted within 90 days from account opening. After that 7.45% to 11.45% based on your credit worthiness. This APR will vary with the market based on the Prime Rate.|
|APR for Cash Advances||10.45% to 14.45% based on your credit worthiness. This APR will vary with the market based on the Prime Rate.|
|Penalty APR and When it Applies||None|
|Minimum Interest Charge||None|
|Grace Period on Purchases||If you pay your entire balance in full each month, you have at least 25 days after the close of each period to pay your balance on purchases without being charged interest.|
|Website for Additional Information||To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore|
|Balance Transfer Fee||None|
|Cash Advance Fee||Either $2.50 or 2% of each transaction, whichever is greater (maximum fee: $75).|
|Foreign Transaction Fee||1% of each transaction in U.S. dollars if initiated or processed in foreign currencies or countries (this fee is in addition to other applicable fees such as cash advance fees).|
|Late Payment Fee||Up to $15 if payment is 15 or more days late.|
All Patelco Credit Union credit cards require consent to recovery of delinquent balances from Credit Union shares.
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
How We Will Calculate Your Variable APRs: We will add a “Margin” to an “Index Rate” to determine your variable interest rates. For each billing period the Index Rate we will use will be equal to the Prime Rate reported in the Federal Reserve Bulletin on the first day of the month preceding the month in which the rate will take effect. The Index Rate as of 07/01/17 is 4.25 percentage points. The “Margin” for purchases and balance transfers will be 2.95 to 5.95 percentage points based on your creditworthiness. The “Margin” for cash advances will be 5.95 to 8.95 percentage points based on your credit worthiness. Introductory Rate not available on balance transfers from Patelco accounts.
APR=Annual Percentage Rate. Changes to the APRs: APRs may adjust upon legally required notice to the cardholder.
Information last updated on 4/6/2018.