Manage your debit or credit card with ease

Patelco Online™ keeps it simple and secure. You can:

  • Check balances
  • Make a payment
  • Transfer funds
  • Easily view and redeem rewards
  • Set up alerts
  • Notify us if you are traveling

Get started today with Patelco Online™ >

Patelco Rewards

How it works

  1. Open a rewards-eligible Patelco credit card.
  2. For eligible cards, enrollment in Patelco Rewards is automatic.
  3. Accrue points with your purchases. Some cards even offer double points on certain purchases.
  4. Redeem your Patelco Rewards Points through Patelco Online™.

How to redeem your Patelco Rewards Points

  • Points can be used for travel, merchandise, gift cards or cash credit to your account.
  • Points convert to cash at a value of $.01 per point.
  • 2,500 points (or more) are required for all redemptions.
  • Points never expire.

See your current rewards options at Patelco Online™. (When you log in, select the MORE… widget to locate the REWARDS widget and access your rewards account).

Common Patelco Rewards questions

Instant card text alerts are here

You asked, we listened. We'll now text you if we see a suspicious transaction on your debit or credit card. (We'll only text you if you've given us your mobile number.) When we text you, you can tell us if the transaction is really yours. This empowers us to block fraud together - and also assures your legitimate purchases are approved.

See all the FAQs here.

How to verify or update your mobile number

  • Log in to Patelco Online™ select your name in the upper right corner, and select Settings. Then select the Contact tab and make sure we have your correct Mobile number.
  • Talk to a friendly team member at your local branch

If you prefer not to receive card text alerts, simply unsubscribe using the instructions included in the text message. We may also call or email you about suspicious transactions.

(This is an additional service, different from the account and transaction alerts you can sign up for in Patelco Online™.)

Keep online transactions private with Mastercard® SecureCode

Mastercard® SecureCode™ is a private code for your Mastercard account that gives you an additional layer of online shopping security. Only you and your financial institution know what your code is - merchants aren't able to see it.

SecureCode is accepted by more than one million online merchants in over 122 countries. It works with your existing Mastercard® account, and best of all, it's easy to use.

If you ever forget your SecureCode, look for the "forgot your SecureCode" link during checkout. You'll be asked to provide identifying information, and can then reset your code and complete your purchase.

To sign up, log into Patelco Online™ and go to the account page for your Mastercard®. Look for the SecureCode logo and follow the instructions upon click. You can also activate SecureCode when you shop online at a participating online retailer. Get more details about SecureCode™.

Travel notification and support

Reduce the risk of card fraud by letting us know when you travel.
When you're traveling outside of your home state or country:

  1. Make sure your contact information is up to date on Patelco Online™, or by calling us at 800.358.8228 or visiting a local branch.
  2. Send us a Secure Message in Patelco Online™ or call 800.358.8228 to let us know your travel dates, the places you'll visit and the Patelco cards you will be using.

Sometimes we block transactions in specific high-risk countries. Send us a Secure Message in Patelco Online™ or call 800.358.8228 to learn more.

Mastercard® Benefits

Your Patelco Mastercard® debit or credit card automatically comes with great benefits.


Pure Mastercard® Progress Student Rewards Mastercard® Points Rewards World Mastercard® Payback Rewards World Mastercard® Passage Rewards World Elite Mastercard®
Safety and Security
Zero Liability Protection
Mastercard® ID Theft Protection™
Price Protection
Extended Warranty
Emergency Services
Emergency Card Replacement
Emergency Cash Advance
Lost/Stolen Card Reporting
Access & Lifestyle Benefits
Priceless Cities
Golf Privileges
Personal Concierge
ShopRunner Membership    

Travel Benefits
Online Booking Tool
Airport Concierge
Travel Accident Insurance**    
onefinestay Discount    

Personal Travel Advisor
Luxury Hotel & Resorts Program
Cruise Program*
Tours & Vacation Program
Car Program: Rental/Chauffeur*
Air Travel Program*
Trip Cancellation Insurance*

Safety and Security

Zero Liability Protection
You don’t have to worry when you use your Mastercard card because it’s covered by Zero Liability protection, whether you pay in-store, online, or over the phone. As a Mastercard cardholder, you’re not responsible in the event that someone makes unauthorized purchases with your card. Certain conditions and exceptions apply. †

Mastercard ID Theft Protection™
Provides you with expert assistance 24/7 should you become an identity theft victim. To bring you this benefit, Mastercard has partnered with CSID®, an industry leader in identity protection and fraud detection. To learn more or to register for early detection services with Mastercard ID Theft Alerts™, visit

Price Protection
Reimburses you the price difference on eligible items should you find a lower advertised price within 60 to 120 days from the date of purchase (depending on card type) when you pay with your Mastercard card.

Extended Warranty Coverage
Doubles the original manufacturer or store-brand warranty for up to 12 months on eligible purchases when you pay for eligible items with your Mastercard card.

Emergency Services

Mastercard Global Service™
Provides 24 hours a day, 7 days a week member service assistance with Lost and Stolen Card Reporting, Emergency Card Replacement, and Emergency Cash Advances, as well as assistance with locating ATMs.

Access and Lifestyle Benefits

Priceless® Cities
Get insider access to one-of-a-kind experiences and offers in some of the world's most exciting cities.

Golf Privileges
Access to private clubs, savings on public courses and resorts, preferred pricing, exclusive programs and preferred booking opportunities on TOURAcademy® programs nationwide.

Personal Concierge
Comprehensive, personalized assistance anytime, anywhere. Provides personal assistance via telephone, including recommendations and reservations for dining, travel, hotels, entertainment, and sporting events; also provides executive services.

As a member with a Mastercard® World or World Elite credit card, you will receive free 2 day shipping and free return shipping at over 140 different stores when you enroll at

Travel Benefits

Online Booking Tool
Discover a convenient way to book hotels, flights, and car rentals online.

Airport Concierge
Arrange for a personal, dedicated Meet and Greet agent to escort you through the airport on departure, arrival, or any connecting flights, 24/7/365 at over 450 destinations worldwide.

Enjoy 10% off bookings using using promo code MC10 on onefinestay, which offers vaction homes with hotel-like amenities at

Personal Travel Advisor
Experienced travel advisors assist with detailed travel plans, recommendations, and access to high quality, high value vacation choices around the world.

Luxury Hotel and Resorts Program
Enjoy the perfect accommodation from a unique collection of exceptional hotels and resorts with a room upgrade**, late check–out**, complimentary breakfast for 2 daily**, exclusive amenities**, and more.

Cruise Program*
Enjoy exceptional World benefits and savings on a global fleet of luxury cruise ships, mega-yachts and boutique river vessels.

Tours & Vacation Program
Don’t just visit a destination – live it, with world class tour and vacation packages exclusively for World Elite cardholders. From family–friendly destinations to fully customized travel experiences, enjoy special savings wherever your dream vacation takes you. Learn more

Car Program: Rental/Chauffeur*
Enjoy exceptional World benefits and savings on a global fleet of luxury cruise ships, mega-yachts and boutique river vessels. Arrive relaxed and in style using World Elite premier limousine and chauffeured car providers. Enjoy special savings with every trip.

Air Travel Program*
Get upgrades, savings and discounts on select airlines for domestic and international air travel.

Trip Cancellation Insurance*
Provides reimbursement for you and your family for any nonrefundable cancellation or change fee if your trip is interrupted or canceled and you have purchased your common carrier tickets with your eligible Mastercard travel card.

Common questions about your Patelco Debit Mastercard® or Patelco Mastercard® credit card

Shop securely and conveniently with your Patelco card in your digital wallet

Add your Patelco credit and debit cards to the digital wallet of your choice: Apple Pay, Google Pay or Samsung Pay. Then, you can pay for thing simply by using your phone

Common Digital Wallet questions

† As a Mastercard cardholder, you will not be held responsible for unauthorized transactions if: (1) you have used reasonable care in protecting your card from loss or theft; and (2) you have promptly reported to your financial institution when you knew that your Mastercard was lost or stolen.

If you believe there has been unauthorized use on your account and you meet the conditions above, rest easy knowing you’re protected by Zero Liability. Zero Liability does not apply to the following Mastercard payment cards: commercial cards, unregistered prepaid cards or gift cards.

If you have questions regarding Zero Liability coverage or you suspect unauthorized use of your card, contact your financial institution IMMEDIATELY.

*These are summary descriptions only. Additional terms, conditions and exclusions apply. Please refer to your card’s Guide to Benefits for specific information.

**Subject to availability

CSID is a registered trademark of CSIdentity Corporation.

Mastercard, the Mastercard Brand Mark, Priceless and World Mastercard are registered trademarks.

Mastercard ID Theft Protection, Mastercard ID Theft Alerts, and Priceless Cities are trademarks of Mastercard International Incorporated.

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