Safely build your credit

This card is for you if you’re looking to establish or re-build your credit.

How it works

  • You provide a refundable security deposit when you apply.
  • Once you’re approved, your credit line will equal the amount you deposit.
  • Start using your card and paying it off responsibly and you’ll see a change on your credit report.

You’ll also benefit from no annual, balance transfer, over-the-limit, or returned payment fees. Get started today and apply now.

Guide to Benefits

Terms & Conditions

Benefits

Competitive Low Rate

One low rate of 9.95% APR1

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Security

Set up alerts, view your account activity, and even lock or unlock your card in Patelco Online™

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Mastercard® ID Theft Protection

No-cost personal information protection with your Mastercard debit or credit card — learn more here

Zero Liability Protection

Additional protection should someone make unauthorized purchases with your card — learn more here

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

Credit Card Rates

Rates Effective 1/26/2023
Card Type Amount APR Range1
Pure Secured Mastercard® $300 - $10,000 9.95%
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%

Frequently Asked Questions

Get started now

The Patelco Pure Secured Mastercard Credit Card gives you a convenient and secure way to pay.

A Millennial woman applies for the Patelco Pure Secured Mastercard Credit Card online.

Continued Reading

November 8, 2019

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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!

Access your account from almost anywhere
Sign up for Patelco Online™ and download the Mobile App and you’ll have convenient, secure access to your account.

• Check your balance
• See transactions
• Make a payment and transfer funds

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.