Routing # 321076470

Points Rewards World Mastercard® Credit Card

Earn Rewards Points on your purchases. Enjoy an everyday low rate and access special benefits.

Earn Rewards Points with flexible options

Choose the credit card that earns unlimited points on everyday purchases. Then redeem them for cash back, gift cards, travel and more.

With the Points Rewards World Mastercard you earn:

  • 2X points for every $1 in gas and grocery purchases
  • 1 point per $1 for all other purchases

Introductory Bonus Offer: Get 20,000 extra points – worth $200 – when you spend $1,500 in the first 3 months of opening your card.

Get pre-qualified and find out your credit limit in minutes without harming your credit.2

Guide to Benefits

Terms & Conditions

Points Rewards Program Terms & Conditions


Competitive Low Rate

Rates as low as 13.40% APR1

Points that don’t expire

Redeem points for cash back to your Patelco Checking or Savings account or apply it to your balance, gift cards, travel and more


Load it into your phone’s digital wallet, set it as your preferred online payment option or insert it when you’re out shopping.


Set up alerts, view your account activity, and even lock or unlock your card in Patelco Online™

Payment Protection

Special insurance cancels your loan payments or loan balance, up to contract maximums, if you become unemployed, disabled, or pass away.

Added Mastercard benefits

Mastercard ID Theft Protection Learn more >

Cellphone Protection Learn more >

Zero Liability Protection Learn more >

Credit Card Rates

Rates Effective 09/26/2023

Card TypeAmountAPR1 Range
18308Credit Cards-Pure-Secured MastercardPure Secured Mastercard®$300 - $10,00011.45%11.75411.4526/09/2023$10,000
18300Credit Cards-Progress Student Rewards MastercardProgress Student Rewards Mastercard®$300 - $5,00013.40% to 21.90%13.40313.4026/09/2023$50,000
18284Credit Cards-Points Rewards World MastercardPoints Rewards World Mastercard®$300 - $50,00013.40% to 21.90%13.15112.926/09/2023
17972Credit Cards-Pure MastercardPure Mastercard®$300 - $50,00011.75% to 18.95%11.50211.7526/09/2023$90,000

Frequently Asked Questions

  • You have the flexibility to redeem your points for what you want and when you want. Points can be redeemed for cash back to your Patelco Checking or Savings account or apply it to your balance, gift cards, travel and more.

    The Points Rewards World Mastercard is packed with features that offer security and convenience including Zero Liability Protection, Cellphone protection, Assistance with lost or stolen card, and Travel Benefits. Learn more.

    We calculate your monthly charges based on your balance and your annual percentage rate (APR). If you pay your card off in full each month, you won’t be charged interest.
    If you don’t pay your card off in full each month, you will be charged interest. Even though your APR is a percentage expressed in terms of a year, it is also used to calculate charges for a single month.
    When you carry a balance and don’t pay off your card in full, you’ll be charged interest based on the annual rate but calculated in terms of how long you’ve carried that balance.

    Your points do not expire and can be redeemed as long as your account is open.

    The Points Rewards World Mastercard is great if you tend to pay off your balance each month and want to earn points to reward yourself. If you’d like help deciding, meet with someone in our Virtual Branch. They are available for immediate service and appointments during business hours.

Get started now

The Patelco Points Rewards World Mastercard Credit Card is a great option if you want to earn points and get a competitive low rate.

Apply Now Get started now

1  Variable APR (Annual Percentage Rate) 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.


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