Everyday low rate with no hoops to jump through

You found it! The credit card that has your back. There are no teaser rates here – just an everyday low rate when you need to carry a balance. And, with no annual fee and no balance transfer fee, you can save even more.

Bonus Offer: 0% APR for 6 months on balance transfers made in the first 90 days

Get pre-qualified and find out your credit limit in minutes without harming your credit.2

Guide to Benefits

Terms & Conditions


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Competitive Low Rate

Rates as low as 11.25% APR1

$0 Balance Transfer Fee

You can save money and pay off balances faster when you transfer them from higher rate cards

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Load it into your phone’s digital wallet, set it as your preferred online payment option or insert it when you’re out shopping – you have the flexibility to use your card the way you choose


Set up alerts, view your account activity, and even lock or unlock your card in Patelco Online™

Payment Protection

Special insurance cancels your loan payments or loan balance, up to contract maximums, if you become unemployed, disabled, or pass away

A shield of protection.

Added Mastercard benefits

Mastercard ID Theft Protection Learn more > 

Zero Liability Protection Learn more > 

Credit Card Rates

  Rates Effective 5/26/2023
Card Type Amount APR Range1
Pure Mastercard® $300 - $50,000 11.25% to 18.45%
Points Rewards World Mastercard® $300 - $50,000 12.90% to 21.40%
Progress Student Rewards Mastercard® $300 - $5,000 12.90% to 21.40%
Pure Secured Mastercard® $300 - $10,000 10.95%

Frequently Asked Questions

Get started now

The Patelco Pure Mastercard Credit Card gives you a smart and easy way to pay.

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With so many credit card options, it’s hard to know which one to choose. Get the questions you need to ask to determine what credit card is best for you!

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See how much you can save when you bring higher rate balances to a Patelco credit card. We’ll do all the math for you.
  • 1 APR=Annual Percentage Rate. Variable APR as of 5/26/2023. 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 Patelco runs a "soft" credit pull to create your personalized credit card offer, all without affecting your credit score. If you then submit a credit card application, we will request your full credit report (also known as a “hard” credit pull) from one or more credit reporting agencies, and this can affect your credit score.