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


A coin being deposited into a piggybank.

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

A hand collecting money.


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™

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 >

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

A man in glasses applies online for the Patelco Points Rewards Credit Card.
Get started now

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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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  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.