Routing # 321076470

Patelco Mastercard® Business Rewards

Earn rewards points on your purchases and access extra security features, tools, and benefits to fit your business’ needs.


Earn 1.5x Rewards Points on everyday business purchases

The Patelco Business Mastercard® Credit Card is packed with benefits and comes with an everyday low rate and no annual fee. Earn Rewards Points on everyday business purchases, then redeem them for cash back, gift cards, travel, and more. With the Business Rewards credit card, you earn 1.5 points per $1 for all business purchases.

Introductory Bonus Offer: Get 20,000 extra points – worth $200 – when you spend $1,500 in the first 3 months of opening your card.

Guide to Benefits

Terms & Conditions

Points Rewards Program Terms & Conditions

Please note we are unable to provide business banking services to certain types of business. A detailed list is included at the bottom of this page.

Business Rewards Benefits

Competitive Low Rate

Rates as low as 12.40% APR1

Easy Account Access

Use Patelco Online™ and our top-rated Mobile App² to track expenses, check account balances, file a claim or dispute a charge, request a balance transfer, and report a lost or stolen card

Enhanced Card Security and Controls

Protect and manage your card with Patelco Online™ or the Mobile App. You can review account activity, lock or unlock your card, and more! Card holders can also sign up for Mastercard ID Theft Protection for free

Points That Don’t Expire

Redeem points for cash back to your Patelco Business Checking account or apply it to your balance, gift cards, travel and more

Secure Ways to Make Purchases

Tap your card to make contactless purchases or add it to your mobile phone’s digital wallet to make payments on the go

Added Mastercard® Benefits

Mastercard Easy Savings™ Learn more >

Mastercard Business Offers Learn more >

Business Rewards Credit Card Rates

Rates Effective 01/16/2024

Card TypeAmount

APR Range1

27944Small Business Rewards Mastercard®Small Business Rewards Mastercard®$5,000 - $40,00012.40% to 21.90%516/01/202412.40%
Earn rewards faster

See your points add up by using your new Business Rewards credit card as your preferred payment method for your favorite websites, apps or service providers, including these:

  • Online shopping sites, including Amazon and OfficeDepot.com
  • Your favorite apps, like DoorDash
  • Internet and phone service providers
  • Software subscriptions
  • Utility providers, like your streaming service, Internet, or PG&E

Start earning rewards today

The Patelco Business Rewards Mastercard® Credit Card is a great option if you want to earn points and get a competitive low rate. As an introductory bonus offer, you’ll get 20,000 extra points – worth $200 – when you spend $1,500 in the first 3 months of opening your card.

Frequently Asked Questions

1 Variable APR (Annual Percentage Rate) as of 01/16/2024. Rate adjusts monthly and equals prime rate for previous month plus a margin range based on creditworthiness. Applies to Purchases and Balance Transfers.

2 Source: over 22,000 five-star reviews on the App Store.

Patelco Credit Union does not offer business accounts to political parties, fundraising groups, campaign organizations, businesses engaged in any activity that violates state or federal law, businesses that present a degree of risk that we in our reasonable discretion determine that we do not have the capacity to manage, or businesses that we in our sole discretion believe could be detrimental to Patelco’s reputation in the communities we serve.

The following is a non-exclusive list of business types that Patelco does not serve: (1) any business subject to any sanctions administered by the Office of Foreign Assets Control; (2) medical marijuana dispensaries or any other business involved in the marijuana industry; (3) money services businesses (MSBs); (4) gambling businesses; (5) digital currency businesses; (6) third party payment processors; (7) prostitution businesses, whether legal or not; (8) embassies, consulates, and diplomatic missions; (9) pawn shops or pawnbrokers; (10) anonymous ownership entities; and (11) adult entertainment businesses.

© 2023 Clover Network, LLC. The Clover name and logo are registered trademarks owned by Clover Network, LLC and are registered or used in the U.S. and many foreign countries. Use of Clover requires a Merchant Processing Agreement. All trademarks, service marks and trade names referenced in this material are the property of their respective owners.

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