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  Patelco Credit Union Points Rewards World Mastercard Credit Card

Patelco Credit Union Points Rewards World Mastercard Credit Card

in Personal Credit Cards from Patelco Credit Union

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Patelco Credit Union Points Rewards World Mastercard Credit Card

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in Personal Credit Cards from Patelco Credit Union

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Highlights
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.

Key Takeaways
  • 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.
Pros & Cons of Patelco Credit Union Points Rewards World Mastercard Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Multiple credit card perks.
  • Access to a concierge.
  • Identity Theft Protection.
  • Travel accident insurance.
  • Cardholders can earn rewards on their purchases.
  • Patelco Credit Union Points Rewards World Mastercard Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
Patelco Credit Union Points Rewards World Mastercard Credit Card FAQ

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.

Patelco Credit Union Points Rewards World Mastercard Credit Card Rewards
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
Patelco Credit Union Points Rewards World Mastercard Credit Card Fees
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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 10:00am - 4:00pm
  • Tuesday 10:00am - 4:00pm
  • Wednesday 10:00am - 4:00pm
  • Thursday 10:00am - 4:00pm
  • Friday 10:00am - 4:00pm
  • Saturday 10:00am - 2:00pm

Other Services by Patelco Credit Union

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Availability

  Available in 1 state
California
Availabile in all of California

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
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
  • Cellular Telephone Protection
  • Travel Accident Insurance
  • Concierge
Cash Advance APR (Variable APR) 11.15% - 15.15%
Balance Computation average daily balance (including new purchases)
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 8.15% - 12.15%
Balance Transfer APR (Variable APR) 8.15% - 12.15%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Rewards
  • Balance Transfer
Card Network Mastercard

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