Last Updated: 07/28/2025
Patelco Credit Union Pure Secured 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)
6.2%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
6.2%(Verified 06/21/2024)
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Credit Score Range
300 - 550
Annual Fee
$0
Patelco Credit Union Pure Secured Mastercard Credit Card Review
This is a secured credit card issued by Patelco Credit Union. If you're wondering whether Patelco Credit Union Pure Secured Mastercard Credit Card is the right card for you, read on.
Key Takeaways
- APRs: Patelco Credit Union Pure Secured Mastercard Credit Card has a variable regular purchase APR of 6.2%
- 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.
- 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.
- Secured card. This card requires a refundable deposit before you can use the account. Deposits are returned upon account closure after settling outstanding balances. These cards can help people with poor credit or little credit history build their credit.
- Multiple credit card benefits. Includes generous credit card perks, such as access to a concierge, emergency support, identity theft protection, and fraud protection.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Patelco Credit Union Pure Secured Mastercard Credit Card
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Patelco Credit Union Pure Secured Mastercard Credit Card FAQ
Does Patelco Credit Union Pure Secured Mastercard Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Emergency Support
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Patelco Credit Union Pure Secured 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 Credit Union Pure Secured Mastercard Credit Card has a variable purchase APR of 6.2%. The card has a variable balance transfer APR of 6.2% . It also has a variable cash advance APR of 9.2% .
The good news is this card does not charge a penalty APR if you are late on a payment.
Does Patelco Credit Union Pure Secured 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 Pure Secured 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 Secured 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 card.
Does Patelco Credit Union Pure Secured Mastercard Credit Card have a foreign transaction fee?
Patelco Credit Union Pure Secured 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 Credit Union Pure Secured Mastercard Credit Card?
The customer service number for Patelco Credit Union Pure Secured Mastercard Credit Card is (800) 358-8228.
What is the support contact email for Patelco Credit Union Pure Secured Mastercard Credit Card?
The support contact email for Patelco Credit Union Pure Secured Mastercard Credit Card is info@patelco.org.
What is the login page for Patelco Credit Union Pure Secured Mastercard Credit Card?
You can access the login page of Patelco Credit Union Pure Secured Mastercard Credit Card here.
How do people rate the customer service and user experience of Patelco Credit Union Pure Secured 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 Secured Mastercard Credit Card report your account activity to credit bureaus?
Yes, Patelco Credit Union Pure Secured 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 Credit Union Pure Secured 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 Credit Union Pure Secured Mastercard Credit Card
- Visit the website of Patelco Credit Union Pure Secured 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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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.
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