Patelco Credit Union Pure Mastercard Credit Card
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| Purchase APR (Variable APR) | 6.2% - 10.2% |
| Balance Transfer APR (Variable APR) | 6.2% - 10.2% |
| Credit Score Range | 600 - 850 |
| Annual Fee | $0 |
Patelco Credit Union Pure Mastercard Credit Card Review
This is a card issued by Patelco Credit Union. If you're wondering whether Patelco Credit Union Pure Mastercard Credit Card is the right card for you, read on.
Key Takeaways
- 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 6 months , which is shorter than the average 0% APR period of 12 months.
- Competitive APRs. Patelco Credit Union Pure Mastercard Credit Card has a variable purchase APR that ranges from 6.2% up to 10.2%.
- No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
- $0 Balance transfer fee. This card does not charge a fee on balance transfers.
- 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.
- Fair or better credit required. You will have good approval odds if your credit score is above 600.
Pros & Cons of Patelco Credit Union Pure Mastercard Credit Card
| The Good | The Bad |
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Patelco Credit Union Pure Mastercard Credit Card FAQ
Does Patelco Credit Union Pure Mastercard Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
What are the Patelco Credit Union Pure Mastercard Credit Card benefits?
It provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Patelco Credit Union Pure 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. This card has lower than average regular APRs.Patelco Credit Union Pure Mastercard Credit Card has a variable purchase APR that ranges from 6.2% up to 10.2%. The card has a variable balance transfer APR that ranges from 6.2% up to 10.2%. It also has a variable cash advance APR that ranges from 9.2% up to 13.2%.
The good news is this card does not charge a penalty APR if you are late on a payment.
Does Patelco Credit Union Pure Mastercard Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 6 months.
| Description | |
|---|---|
| Balance Transfer Introductory APR | 0% |
| Balance Transfer Intro APR Period | 6 months |
| Balance Transfer APR | 6.2% - 10.2% |
| Balance Transfer Fee Minimum | $0 |
| Balance Transfer Fee % | 0% |
Does Patelco Credit Union Pure 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 Pure 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 card.
Does Patelco Credit Union Pure Mastercard Credit Card have a foreign transaction fee?
Patelco Credit Union Pure 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 Pure Mastercard Credit Card?
The Patelco Credit Union Pure Mastercard Credit Card customer service number is (800) 358-8228.
What is the support contact email for Patelco Credit Union Pure Mastercard Credit Card?
The support contact email for Patelco Credit Union Pure Mastercard Credit Card is info@patelco.org.
What is the Patelco Credit Union Pure Mastercard Credit Card login page?
You can access the Patelco Credit Union Pure Mastercard Credit Card login page here.
How do people rate the customer service and user experience of Patelco Credit Union Pure Mastercard Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Patelco Credit Union Pure Mastercard Credit Card report your account activity to credit bureaus?
Yes, Patelco Credit Union Pure 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 Pure Mastercard Credit Card
- Visit the Patelco Credit Union Pure 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 USA - (800) 358-8228
- Visit Site
- Email Support
Other Services by Patelco Credit Union
Availability
Feature Breakdown
| Cash Advance Fee Minimum | $2.50 |
| Cash Advance Fee (%) | Up to 2% |
| Minimum Cash Advance Fee ($) | $2.50 - $75 |
| Foreign Currency Transaction Fee | 1% |
| 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 |
| Late Fee Amount | Up to $15 |
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