Earn points on everyday purchases and even more on school expenses

Getting your first credit card can be a big step in your financial journey. We’re here to help you make a smart choice. With the Patelco Progress Student Rewards Mastercard, you get an everyday low rate with no annual fee. You can earn unlimited points:

  • 2X points for every $1 in school and grocery purchases
  • 1 point per $1 for all other purchases

Redeem Rewards Points for cash back, gift cards, travel and more. Get started today and apply now.


Guide to Benefits

Terms & Conditions

Progress Rewards Points Terms & Conditions


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Competitive Low Rate

Rates as low as 12.90% APR1

A shield of protection.


Set up alerts and view your account activity in Patelco Online™


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

A hand collecting money.

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

Zero Liability Protection

Additional protection should someone make unauthorized purchases with your card

Mastercard® ID Theft Protection

No-cost personal information protection with your Mastercard debit or credit card Learn more >

Credit Card Rates

  Rates Effective 5/26/2023
Card Type Amount APR Range1
Progress Student Rewards Mastercard® $300 - $5,000 12.90% to 21.40%
Pure Mastercard® $300 - $50,000 11.25% to 18.45%
Pure Secured Mastercard® $300 - $10,000 10.95%
Points Rewards World Mastercard® $300 - $50,000 12.90% to 21.40%

Frequently Asked Questions

Get started now

The Patelco Progress Student Rewards Mastercard Credit Card gives you a convenient and secure way to pay.

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

• Check your balance and see transactions
• Make a payment and transfer funds
• Set account alerts

1 APR=Annual Percentage Rate. Variable APR 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.