Patelco CU Student Rewards Credit Card

Patelco CU Student Rewards Credit Card Review

This is a rewards card issued by Patelco Credit Union. If you're wondering whether Patelco CU Student Rewards Credit Card is the right card for you, read on.

Key Takeaways

• Competitive APRs. Patelco CU Student Rewards 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, emergency support, identity theft protection, 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 CU Student Rewards Credit Card

Patelco CU Student Rewards Credit Card FAQ

Does Patelco CU Student Rewards Credit Card have a cash back or rewards program?

Patelco CU Student Rewards Credit Card is a rewards card.

What are the Patelco CU Student Rewards Credit Card benefits?

It provides the following benefits:

• Emergency Support
• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for Patelco CU Student Rewards Credit Card?

Patelco CU Student Rewards 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.

What are the fees for Patelco CU Student Rewards Credit Card?

The following fees apply:

• There is no overlimit fee

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 Student Rewards Credit Card report your account activity to credit bureaus?

Yes, Patelco CU Student Rewards 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 CU Student Rewards Credit Card

• Visit the Patelco CU Student Rewards 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.