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
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
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.
Frequently Asked Questions
1 Variable APR (Annual Percentage Rate) 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.