You found it! The credit card that has your back. There are no teaser rates here – just an everyday low rate when you need to carry a balance. And, with no annual fee and no balance transfer fee, you can save even more.
Bonus Offer: 0% APR for 6 months on balance transfers made in the first 90 days
Get pre-qualified and find out your credit limit in minutes without harming your credit.2
Rates as low as 11.75% APR1
You can save money and pay off balances faster when you consolidate credit card debt from higher rate cards
Load it into your phone’s digital wallet, set it as your preferred online payment option or insert it when you’re out shopping – you have the flexibility to use your card the way you choose
Set up alerts, view your account activity, and even lock or unlock your card in Patelco Online™
Special insurance cancels your loan payments or loan balance, up to contract maximums, if you become unemployed, disabled, or pass away
Mastercard ID Theft Protection Learn more >
Zero Liability Protection Learn more >
A balance transfer credit card is designed to lower your monthly payment by offering a low interest rate and allowing you to pay-off the balance of higher rate credit cards.
Many balance transfer cards offer 0% APR for an introductory period which lowers your overall loan cost, so you can pay off debt more quickly. (When that period ends, your interest rate rises.) Look for a balance transfer card with a small or no transfer fee.
Rates Effective 09/26/2023
| Card Type | Amount | APR Range1 Range of APR4 | |||||||
|---|---|---|---|---|---|---|---|---|---|
| 17972 | Credit Cards-Pure Mastercard | Pure Mastercard® | $300 - $50,000 | 11.75% to 18.95% | 11.75 | 11.20 | 1 | 09/26/2023 | $90,000 |
| 18284 | Credit Cards-Points Rewards World Mastercard | Points Rewards World Mastercard® | $300 - $50,000 | 13.40% to 21.90% | 12.9 | 13.4 | 2 | 09/26/2023 | |
| 18300 | Credit Cards-Progress Student Rewards Mastercard | Progress Student Rewards Mastercard® | $300 - $5,000 | 13.40% to 21.90% | 13.40 | 13.40 | 3 | 09/26/2023 | $50,000 |
| 18308 | Credit Cards-Pure-Secured Mastercard | Pure Secured Mastercard® | $300 - $10,000 | 11.45% | 11.45 | 11.75 | 4 | 09/26/2023 | $10,000 |
Make a list of your credit cards. Note your current balances, the APR, and your current minimum payment.
Evaluate card options, focusing on the long-term APR and balance transfer APR terms. Look for cards with no fees on balance transfers.
Get prequalified so you can see what APR and credit limit you qualify for. Just know that this doesn’t harm your credit.
If you qualify for favorable terms, complete your credit card application, get approved, and request a balance transfer (or two).
Pay attention to how long the balance transfer will take. You don’t want to miss a payment on your old card and pay unwanted interest.
Your goal is to reduce your interest rate and pay down your credit card debt quickly. So, it’s a good idea to pay more than the minimum payment, especially during the 0% APR period.
The best way to request a balance transfer after opening an account is to use the Balance Transfer form in Patelco Online™. Learn how to request a credit card balance transfers..
Your old credit card will remain open unless you request to close the account. Keeping the account open will help improve your credit score, as long as you don’t start using it for purchases again.
The Pure credit card is packed with features that offer security and convenience including Zero Liability Protection, Priceless Cities, Assistance with lost or stolen card, and Travel Benefits. Explore Patelco credit card benefits and support.
The Pure Mastercard is great if you’re looking for a low rate because you might need to carry a balance. We have other cards that offer perks like Rewards Points. If you’d like help deciding, meet with someone in the Patelco Virtual Branch™. They are available for immediate service and appointments during business hours.
The Patelco Pure Mastercard Credit Card gives you a smart and easy way to pay.
Ready to begin building your credit? Find out how to build credit with and without a credit card from the experts at Patelco.
Are you worried about paying off credit cards? You have options. Find out how to pay off credit card debt from the experts at Patelco.
With so many credit card options, it’s hard to know which one to choose. Get the questions you need to ask to determine what credit card is best for you!
1 APR=Annual Percentage Rate. Variable APR as of 09/26/2023. Rate adjusts monthly and equals prime rate for previous month plus a margin range based on credit worthiness. Applies to Purchases and Balance Transfers.
2 Patelco runs a "soft" credit pull to create your personalized credit card offer, all without affecting your credit score. If you then submit a credit card application, we will request your full credit report (also known as a “hard” credit pull) from one or more credit reporting agencies, and this can affect your credit score.
