Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchases	8.40%–16.90% variablePATELCO · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“8. 40 % to 16. 90 % based on your creditworthiness. This APR will vary with the market based on the Prime Rate.”PATELCO · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
APR for balance transfers	8.40%–16.90% variablePATELCO · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“8. 40 % to 16. 90 % based on your creditworthiness. This APR will vary with the market based on the Prime Rate.”PATELCO · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
APR for cash advances	11.40%–19.90% variablePATELCO · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“11. 40 % to 19. 90 % based on your creditworthiness. This APR will vary with the market based on the Prime Rate.”PATELCO · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	—	no source read
Annual fee	$0PATELCO · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“None”PATELCO · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Transaction fees
Cash advance	—	no source read
Balance transfer	$0PATELCO · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“None”PATELCO · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Foreign transaction	—	no source read
Penalty fees
Late payment	—	no source read
Returned payment	$0PATELCO · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“None”PATELCO · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1

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Terms & Conditions for Patelco's Points Rewards World Mastercard ® Credit Card

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases · 8. 40 % to 16. 90 % based on your creditworthiness. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers · 8. 40 % to 16. 90 % based on your creditworthiness. This APR will vary with the market based on the Prime Rate. APR for Cash Advances · 11. 40 % to 19. 90 % based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies · None Minimum Interest Charge · None How to Avoid Paying Interest on Purchases · Your due date is at least 25 days after the close of each billing cycle. We will not charge interest on purchases if you pay your entire balance by the due date each month. For Credit Card Tips from the Consumer Financial Protection Bureau · To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore Fees Annual Fee · None Transaction Fees Balance Transfer Fee · None Cash Advance Fee · Either $2.50 or 2% of each transaction, whichever is greater (maximum fee: $75 ). Foreign Transaction Fee · 1% of each transaction in U.S. dollars if initiated or processed in foreign currencies or countries (this fee is in addition to other applicable fees such as cash advance fees). Penalty Fees Late Payment Fee · Up to $15 if payment is 15 or more days late. Over-the-Credit Limit · None Returned Payment · None

How We Will Calculate Your Balance: We use a method called 'average daily balance (including new purchases).' See your account agreement for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

How We Will Calculate Your Variable APRs: We will add a 'Margin' to an 'Index Rate' to determine your variable interest rates. For each billing period the Index Rate we will use will be equal to the Prime Rate reported in the Federal Reserve Bulletin on the first day of the month preceding the month in which the rate will take effect. The Index Rate as of 0 4 / 01 /2022 is 3.5 0 percentage points. The 'Margin' for purchases and balance transfers will be 4.90 to 13.40 percentage points based on your credit worthiness. The 'Margin' for cash advances will be 7.90 to 16.40 percentage points based on your creditworthiness.

1Page 1 is cited

Archived Aug 23, 2026Open full document

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

PATELCO
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“8. 40 % to 16. 90 % based on your creditworthiness. This APR will vary with the market based on the Prime Rate.”
Read exact source ↗
PATELCO
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“11. 40 % to 19. 90 % based on your creditworthiness. This APR will vary with the market based on the Prime Rate.”
Read exact source ↗
PATELCO
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“8. 40 % to 16. 90 % based on your creditworthiness. This APR will vary with the market based on the Prime Rate.”
Read exact source ↗
PATELCO
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“None”
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PATELCO
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“None”
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PATELCO
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“None”
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PATELCO
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Your due date is at least 25 days after the close of each billing cycle. We will not charge interest on purchases if you pay your entire balance by the due date each month.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
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History

dates on sources or when they were captured

Aug 23, 2026: Annual fee, Balance transfer APR, Balance transfer fee, Cash advance APR, Purchase APR, Returned payment fee

Offered through: Patelco Credit Union
Legal issuer: Not established by retained evidence
Regulator: NCUA charter 68579
Branches: 36 in CA
Sources: Official issuer · 2 documents · 1 page cited

Documents

patelco-points-rewards-program-terms-and-conditionseffective date not parsed
Points-terms-conditionseffective date not parsed

Points Rewards World MastercardPatelco Credit Union · state credit union, CA · NCUA 68579

Rates and fees