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
Rates as low as 10.75% APR1
You can save money and pay off balances faster when you transfer them from higher rate cards
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™
Special insurance cancels your loan payments or loan balance, up to contract maximums, if you become unemployed, disabled, or pass away
Mastercard ID Theft Protection Learn more >
Zero Liability Protection Learn more >
Rates Effective 02/26/2025
| Card Type | Amount | APR Range1 Range of APR4 | |||||||
|---|---|---|---|---|---|---|---|---|---|
| 17972 | Credit Cards-Pure Mastercard | Pure Mastercard® | $300 - $50,000 | 10.75% to 17.95% | 10.75 | 10.75 | 1 | 02/26/2025 | $90,000 |
| 18284 | Credit Cards-Points Rewards World Mastercard | Points Rewards World Mastercard® | $300 - $50,000 | 12.40% to 20.90% | 12.40 | 12.40 | 2 | 02/26/2025 | |
| 18300 | Credit Cards-Progress Student Rewards Mastercard | Progress Student Rewards Mastercard® | $300 - $5,000 | 12.40% to 20.90% | 12.40 | 12.40 | 3 | 02/26/2025 | $50,000 |
| 18308 | Credit Cards-Pure-Secured Mastercard | Pure Secured Mastercard® | $300 - $10,000 | 10.45% | 10.45 | 10.45 | 4 | 02/26/2025 | $10,000 |
The best way to request a balance transfer after opening an account is to use the Balance Transfer form in Patelco Online™. Check out the detailed instructions.
The Pure credit card is packed with features that offer security and convenience including Zero Liability Protection, Priceless Cities, Assistance with lost or stolen card, and Travel Benefits. Learn more.
We calculate your monthly charges based on your balance and your annual percentage rate (APR). If you pay your card off in full each month, you won’t be charged interest.
If you don’t pay your card off in full each month, you will be charged interest. Even though your APR is a percentage expressed in terms of a year, it is also used to calculate charges for a single month.
When you carry a balance and don’t pay off your card in full, you’ll be charged interest based on the annual rate but calculated in terms of how long you’ve carried that balance.
The Pure Mastercard is great if you’re looking for a low rate because you might need to carry a balance. We have other cards that offer perks like Rewards Points. If you’d like help deciding, meet with someone in the Patelco Virtual Branch™. They are available for immediate service and appointments during business hours.
The Patelco Pure Mastercard Credit Card gives you a smart and easy way to pay.
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1 APR=Annual Percentage Rate. Variable APR as of 02/26/2025. 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.
