Patelco Credit Union Points Rewards World Mastercard Credit Card
in Personal Credit Cards from Patelco Credit Union
UnaffiliatedPatelco Credit Union Points Rewards World Mastercard Credit Card
in Personal Credit Cards from Patelco Credit Union
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| Purchase APR (Variable APR) | 8.15% - 12.15% |
| Balance Transfer APR (Variable APR) | 8.15% - 12.15% |
| Credit Score Range | 650 - 850 |
| Annual Fee | $0 |
Patelco Credit Union Points Rewards World Mastercard Credit Card Review
This is a rewards credit card issued by Patelco Credit Union. If you're wondering whether Patelco Credit Union Points Rewards World Mastercard Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.
- Competitive APRs. Patelco Credit Union Points Rewards World Mastercard Credit Card has a variable purchase APR that ranges from 8.15% up to 12.15%.
- No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as access to a concierge, identity theft protection, travel accident insurance, and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 650.
| The Good | The Bad |
|---|---|
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Does Patelco Credit Union Points Rewards World Mastercard Credit Card have a cash back or rewards program?
Patelco Credit Union Points Rewards World Mastercard Credit Card is a rewards card.
| Minimum rewards rate | 1x |
| Max rewards rate | 2x |
| Annual rewards limit | N/A |
Does Patelco Credit Union Points Rewards World Mastercard Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does Patelco Credit Union Points Rewards World Mastercard Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Patelco Credit Union Points Rewards World Mastercard Credit Card benefits?
It provides the following benefits:
- Zero fraud liability
- Travel Accident Insurance
- Cell Phone Protection
- Reports to major credit bureaus
What are the relevant APRs for Patelco Credit Union Points Rewards World Mastercard Credit Card?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.It has a variable purchase APR that ranges from 8.15% up to 12.15%. The card has a variable balance transfer APR that ranges from 8.15% up to 12.15%. It also has a variable cash advance APR that ranges from 11.15% up to 15.15%.
The good news is this card does not charge a penalty APR if you are late on a payment.
Does Patelco Credit Union Points Rewards World Mastercard Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Patelco Credit Union Points Rewards World Mastercard Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Patelco Credit Union Points Rewards World Mastercard Credit Card?
The following fees apply:
- There is no overlimit fee
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Overlimit Fee | $0 |
| Foreign Transaction Fee | 1% |
| Returned Payment Fee | $0 |
| Late Payment Fee | up to $15 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does Patelco Credit Union Points Rewards World Mastercard Credit Card have a foreign transaction fee?
Patelco Credit Union Points Rewards World Mastercard Credit Card charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Patelco Credit Union Points Rewards World Mastercard Credit Card?
The Patelco Credit Union Points Rewards World Mastercard Credit Card customer service number is (800) 358-8228.
What is the support contact email for Patelco Credit Union Points Rewards World Mastercard Credit Card?
The support contact email for Patelco Credit Union Points Rewards World Mastercard Credit Card is info@patelco.org.
Does Patelco Credit Union Points Rewards World Mastercard Credit Card report your account activity to credit bureaus?
Yes, Patelco Credit Union Points Rewards World Mastercard Credit Card reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
How to apply for Patelco Credit Union Points Rewards World Mastercard Credit Card
- Visit the Patelco Credit Union Points Rewards World Mastercard Credit Card website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
5050 Hopyard Rd
Pleasanton, CA 94588 - (800) 358-8228
- Visit Site
- Email Support
Other Services by Patelco Credit Union
Availability
Feature Breakdown
| No Annual Fee | |
| Annual Fee | $0 |
| Minimum Interest Charge | $0 |
| Over-Limit Fee | $0 |
| No Interest Grace Period for Late Payment | 25 days |
| Returned Payment Fee | $0 |
| Cash Advance Fee Minimum | $2.50 |
| Cash Advance Fee (%) | Up to 2% |
| Minimum Cash Advance Fee ($) | $2.50 - $75 |
| Foreign Currency Transaction Fee | 1% |
| Late Fee Amount | Up to $15 |
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