Last Updated: 07/28/2025
Pathways Financial Credit Union MasterCard Cash Back Rewards Credit Card
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Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
Starting at 18.24%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
Starting at 18.24%(Verified 06/21/2024)
Credit Score Range
N/A
Annual Fee
$0
Pathways Financial Credit Union MasterCard Cash Back Rewards Credit Card Review
This is a cashback credit card issued by Pathways Financial Credit Union. If you're wondering whether Pathways Financial Credit Union MasterCard Cash Back Rewards Credit Card is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 12 months, which is the average period for 0% APR balance transfer cards.
- You'll earn 1.5% cash back on all purchases. Your cash back is deposited into your Pathways Owner Rewards Savings account, which earns 10.00% APY on the first $5,000!
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR starting at 18.24%
- No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- A 3.00% balance transfer fee. Pathways Financial Credit Union MasterCard Cash Back Rewards Credit Card charges a fee of 3.00% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.00.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 1.00% 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.
Pros & Cons of Pathways Financial Credit Union MasterCard Cash Back Rewards Credit Card
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Pathways Financial Credit Union MasterCard Cash Back Rewards Credit Card FAQ
Does Pathways Financial Credit Union MasterCard Cash Back Rewards Credit Card have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 1.5 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Pathways Financial Credit Union MasterCard Cash Back Rewards Credit Card have a signup bonus?
Yes. You'll earn 1.5% cash back on all purchases. Your cash back is deposited into your Pathways Owner Rewards Savings account, which earns 10.00% APY on the first $5,000!
Does Pathways Financial Credit Union MasterCard Cash Back Rewards Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Pathways Financial Credit Union MasterCard Cash Back Rewards Credit Card benefits?
Pathways Financial Credit Union MasterCard Cash Back Rewards Credit Card provides the following benefits:
- Emergency Support
- Zero fraud liability
What are the relevant APRs for Pathways Financial Credit Union MasterCard Cash Back Rewards 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.Pathways Financial Credit Union MasterCard Cash Back Rewards Credit Card has a variable purchase APR starting at 18.24%. The card has a variable balance transfer APR starting at 18.24% .
Does Pathways Financial Credit Union MasterCard Cash Back Rewards 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 12 months.
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| Balance Transfer APR | Starting at 18.24% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 3.00% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $5.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Pathways Financial Credit Union MasterCard Cash Back Rewards 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 Pathways Financial Credit Union MasterCard Cash Back Rewards Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1.00% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does Pathways Financial Credit Union MasterCard Cash Back Rewards Credit Card have a foreign transaction fee?
Pathways Financial Credit Union MasterCard Cash Back Rewards Credit Card charges a foreign transaction fee of up to 1.00%. 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 Pathways Financial Credit Union MasterCard Cash Back Rewards Credit Card?
The customer service number for Pathways Financial Credit Union MasterCard Cash Back Rewards Credit Card is (614) 416-7588.
What is the support contact email for Pathways Financial Credit Union MasterCard Cash Back Rewards Credit Card?
The support contact email for Pathways Financial Credit Union MasterCard Cash Back Rewards Credit Card is mail@pathwayscu.com.
What is the login page for Pathways Financial Credit Union MasterCard Cash Back Rewards Credit Card?
You can access the login page of Pathways Financial Credit Union MasterCard Cash Back Rewards Credit Card here.
How do people rate the customer service and user experience of Pathways Financial Credit Union MasterCard Cash Back Rewards Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Pathways Financial Credit Union perform a hard credit pull?
Yes, Pathways Financial Credit Union MasterCard Cash Back Rewards 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 Pathways Financial Credit Union MasterCard Cash Back Rewards Credit Card
- Visit the website of Pathways Financial Credit Union MasterCard Cash Back Rewards 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.
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.
Hours of Operation
Sunday
Closed
Monday
8:30AM - 5:00PM
Tuesday
8:30AM - 5:00PM
Wednesday
8:30AM - 5:00PM
Thursday
8:30AM - 5:00PM
Friday
8:30AM - 5:00PM
Saturday
Closed