Rewards Credit Cards | Earn Points & Redeem

Earn Rewards Points with flexible options

Choose the credit card that earns unlimited points on everyday purchases. Then redeem them for cash back, gift cards, travel and more.

With the Points Rewards World Mastercard you earn:

2X points for every $1 in gas and grocery purchases
1 point per $1 for all other 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.

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

Guide to Benefits

Terms & Conditions

Points Rewards Program Terms & Conditions

Benefits

Competitive Low Rate

Rates as low as 12.40% APR¹

Points that don’t expire

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

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.

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.

Added Mastercard benefits

Mastercard ID Theft Protection Learn more >

Cellphone Protection Learn more >

Zero Liability Protection Learn more >

Credit Card Rates

Rates Effective 02/26/2025

ID	Title	Card Type	Amount	APR¹ Range	Display Rate	Display Order	Low Rate	Effective Date	Display Amount
18308	Credit Cards-Pure-Secured Mastercard	Pure Secured Mastercard^®	$300 - $10,000	10.45%	10.45	4	10.45	02/26/2025	$10,000
18300	Credit Cards-Progress Student Rewards Mastercard	Progress Student Rewards Mastercard^®	$300 - $5,000	12.40% to 20.90%	12.40	3	12.40	02/26/2025	$50,000
18284	Credit Cards-Points Rewards World Mastercard	Points Rewards World Mastercard^®	$300 - $50,000	12.40% to 20.90%	12.40	1	12.40	02/26/2025
17972	Credit Cards-Pure Mastercard	Pure Mastercard^®	$300 - $50,000	10.75% to 17.95%	10.75	2	10.75	02/26/2025	$90,000

Frequently Asked Questions

You have the flexibility to redeem your points for what you want and when you want. Points can be redeemed for cash back to your Patelco Checking or Savings account or apply it to your balance, gift cards, travel and more.

The Points Rewards World Mastercard is packed with features that offer security and convenience including Zero Liability Protection, Cellphone protection, 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.

Your points do not expire and can be redeemed as long as your account is open.

The Points Rewards World Mastercard is great if you tend to pay off your balance each month and want to earn points to reward yourself. If you’d like help deciding, meet with someone in our Virtual Branch. They are available for immediate service and appointments during business hours.

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¹ Variable APR (Annual Percentage Rate) 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.

Points Rewards World Mastercard^® Credit Card

Interest Rate

Amount

Annual Fee

Earn Rewards Points with flexible options