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