Last Updated: 07/28/2025
Patelco CU Rewards Mastercard Credit Card
Unaffiliated
in Credit Cards from Patelco Credit Union
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
8.15% - 12.15%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
8.15% - 12.15%(Verified 06/21/2024)
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Credit Score Range
650 - 850
Annual Fee
$0
Patelco CU Rewards Mastercard Credit Card Review
This is a rewards card issued by Patelco Credit Union. If you're wondering whether Patelco CU Rewards Mastercard Credit Card is the right card for you, read on.
Key Takeaways
- APRs: Patelco CU Rewards Mastercard Credit Card has a variable regular 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 up to 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 you have a fair credit score or better.
Pros & Cons of Patelco CU Rewards Mastercard Credit Card
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Patelco CU Rewards Mastercard Credit Card FAQ
Does Patelco CU Rewards Mastercard Credit Card have a cash back or rewards program?
Patelco CU Rewards Mastercard Credit Card is a rewards card.
| Description |
Does Patelco CU Rewards Mastercard Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does Patelco CU Rewards Mastercard Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Patelco CU Rewards Mastercard Credit Card benefits?
Patelco CU Rewards Mastercard Credit Card 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 CU Rewards Mastercard Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Patelco CU Rewards Mastercard Credit Card 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 CU Rewards 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 CU Rewards 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 CU Rewards Mastercard Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $2.5 - $75 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 CU Rewards Mastercard Credit Card have a foreign transaction fee?
Patelco CU Rewards Mastercard Credit Card charges a foreign transaction fee of up to 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 CU Rewards Mastercard Credit Card?
The customer service number for Patelco CU Rewards Mastercard Credit Card is (800) 358-8228.
What is the support contact email for Patelco CU Rewards Mastercard Credit Card?
The support contact email for Patelco CU Rewards Mastercard Credit Card is info@patelco.org.
What is the login page for Patelco CU Rewards Mastercard Credit Card?
You can access the login page of Patelco CU Rewards Mastercard Credit Card here.
How do people rate the customer service and user experience of Patelco CU Rewards Mastercard Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Patelco CU Rewards Mastercard Credit Card report your account activity to credit bureaus?
Yes, Patelco CU Rewards Mastercard Credit Card reports to the following credit bureaus:
- 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 build your credit.
Does Patelco Credit Union perform a hard credit pull?
Yes, Patelco CU Rewards Mastercard Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Patelco CU Rewards Mastercard Credit Card
- Visit the website of Patelco CU Rewards Mastercard Credit Card.
- 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.
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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