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

Benefits

A coin being deposited into a piggybank.

Competitive Low Rate

Rates as low as 10.25% APR1

$0 Balance Transfer Fee

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

A hand collecting money.

Convenience

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

Security

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 1/26/2023
Card Type Amount APR Range1
Pure Mastercard® $300 - $50,000 10.25% to 17.45%
Points Rewards World Mastercard® $300 - $50,000 11.90% to 20.40%
Progress Student Rewards Mastercard® $300 - $5,000 11.90% to 20.40%
Pure Secured Mastercard® $300 - $10,000 9.95%

Frequently Asked Questions

Get started now

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

A woman applies for the Patelco Pure Mastercard credit card on her laptop at home.

Continued Reading

November 8, 2019

Ready to begin building your credit? Find out how to build credit with and without a credit card from the experts at Patelco.

October 29, 2019

Are you worried about paying off credit cards? You have options. Find out how to pay off credit card debt from the experts at Patelco.

November 8, 2019

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!

A happy Patelco member watches the sunset from a roof deck.
Switch to Save
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 1/26/2023. 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.