Patelco Pure Mastercard® Credit Card

Shop online and in-store confidently. The Pure Mastercard comes with security features and purchase protection you can count on every day. It is a smart, low-rate option for those who carry a balance or are looking to transfer from a high-interest card.

Apply today for your smart card featuring:

  • Rates as low as 9.50%  APR2
  • No annual fee
  • No balance transfer fees
  • Compatible with Apple Pay, Google Pay and Samsung Say

Guide to Benefits
Terms & Conditions 



The savings are real

On average, Americans carry $6,200 in credit card debt.3 Our goal is to help you save while you pay off credit card balances. If you carry a balance, it’s a smart move to go with the lowest rate and make extra payments to pay off your debt sooner. Patelco offers some of the best rates around to help improve your long-term financial well-being. See for yourself.4

  Patelco Pure Mastercard Chase Freedom Unlimited Wells Fargo Platinum
Variable Annual Percentage Rate (APR) 9.50% - 16.70% 14.99% - 23.74% 16.49% - 24.49%
Introductory Balance Transfer Offer 0% APR for the first 6 months for balance transfers made in the first 90 days None 0% APR for 18 months for balance transfers made in the first 120 days
Balance Transfer Fee None Either $5 or 5% of the amount of each transfer, whichever is greater Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5.


Special introductory offer

No BALANCE TRANSFER FEE and 0% Balance Transfer APR for 6 months on transfers made within the first 90 days.

When you look to transfer your credit card balance, most banks charge anywhere from 3% to 5% of the balance you transfer as a fee. At Patelco we have your back, that’s why we do not charge our members a balance transfer fee. This means on a balance of $5,000 you could save $250 by transferring your debt to our card instead.

Credit Card Benefits

Apple Pay

Digital Wallets

Digital Wallets

Making paying a breeze, from your mobile device.

Discover Digital Wallets
ID Protection

Mastercard® ID Theft Protection

Mastercard® ID Theft Protection

No-cost personal information protection with your Mastercard debit or credit card.

Discover card security benefits
Debit card

Emergency card replacement

Emergency card replacement

24/7 service should you misplace your card.

See why members love Patelco

1 After the 6-month 0% introductory APR period, the standard variable APR rate of 6.20% - 10.20% will be applied to the balance transfer amount, based on your credit worthiness.

2 APR (Annual Percentage Rate). Loan rates offered effective 10/23/2020 and are subject to credit approval. APRs range based on factors including credit type, loan term, Commitment Household/account relationship and applicant credit worthiness/score. Loan terms are based on various factors, including the amount financed. Actual rates are disclosed to approved applicants in writing prior to loan consummation. Offered rates subject to change.

3 Experian 2020 credit bureau study

4 Information on Chase and Wells Fargo credit cards as of 12/18/2020. See websites for details, terms and conditions: and