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
Benefits
Competitive Low Rate
Rates as low as 12.90% 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 – 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.
Added Mastercard benefits
Mastercard ID Theft Protection Learn more >
Cellphone Protection Learn more >
Zero Liability Protection Learn more >
Credit Card Rates
Rates Effective 5/26/2023| Card Type | Amount | APR1 Range |
|---|---|---|
| Points Rewards World Mastercard® | $300 - $50,000 | 12.90% to 21.40% |
| Pure Mastercard® | $300 - $50,000 | 11.25% to 18.45% |
| Progress Student Rewards Mastercard® | $300 - $5,000 | 12.90% to 21.40% |
| Pure Secured Mastercard® | $300 - $10,000 | 10.95% |
Frequently Asked Questions
The Patelco Points Rewards World Mastercard Credit Card is a great option if you want to earn points and get a competitive low rate.
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1 Variable APR (Annual Percentage Rate) 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.