Patelco Credit Union Cards 2020 | Review & FAQ

Patelco Credit Union Cards offers different rewards cards and MasterCard tailored to your lifestyle. Here is all to know about Patelco Credit Rates.

Patelco Credit Cards Reviews 2019

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Patelco Points Rewards MasterCard Credit Card is issued by Patelco Credit Union.

Patelco MasterCard credit cards are tailored to your lifestyle.

Cardholders enjoy low rates, zero balance transfer fees and great rewards with purchase protection.

Patelco Credit Card holders enjoys superior worldwide rewards and benefits.

More Credit Cards August 2020

Patelco Credit Card Benefits

Let’s take a closer look at some of the benefits that you stand to enjoy when you register any of the Patelco Credit Union cards.

  • No annual or balance transfers fees
  • Cardholders enjoys unlimited Patelco Rewards points that never expires.
  • Cardholders enjoys great option; for those who want to earn points every day purchases, to redeem for travel and merchandise
  • Enjoys 2 points for every $1 on gas and grocery purchases, 1 point per $1 for all other purchases.
  • Gains access to Priceless Cities®, luxury hotels and Resorts and personal travel and airport services
  • Cardholders get 10,000 extra points if they spend $2,500 in the first 3 months.

Patelco Credit Card Fees and Rates

  • Annual Percentage Rate for Purchases – 9.90% to 13.90% based on your credit worthiness.
  • APR for Balance Transfers – 9.90% to 13.90% based on your credit worthiness.
  • APR for Cash Advances – 12.90% to 16.90%
  • Penalty APR and when it Applies – Not applicable
  • Grace days – 25 days
  • Minimum Interest Charge – None
  • Annual Fee – None
  • Balance Transfer Fee -None
  • Cash Advances fees – 2.50 or 2%
  • Foreign Transaction Fee – 1%
  • Late Payment – $15
  • Over- the-credit limit – None
  • Returned Payment – None

Card Requirements

  • Applicants must be a permanent United States resident
  • Applicants must have a current UK bank
  • Must have a Social Security Number
  • Applicants must have a State issued Identification

Enjoys 2 points for every $1 on gas and grocery purchases, 1 point per $1 for all other purchases.

How To Apply?

  • Go to the Homepage and click on the “Apply Now” tab
  • Read and accept all terms of service or disclaimer.
  • Then submit your credit card application.

*** It is worthy to note that, you need to be a member of Patelco Credit Union to take full benefits of these features and rewards***


How To Check Application Status?

After applying for your Cards, you can check your application status and verify such.

For credit card applicant who may desire to check their application Status, login to your dashboard and locate the Card Status bar to confirm.

If you need extra assistance, you can contact the designated support contacts disclosed below.

How To Activate?

To activate your newly received Patelco Card, contact support on the number provided on your card details or call the designated support crew on +1.909.941.1034

How To Login?

Below are simplified steps to Login to Patelco Credit Union and manage your cards and other Patelco activities.

  • Visit the Patelco Login page here
  • On the page, type in your USER ID and PASSWORD where applicable.
  • Then, click on the “LOGIN” button

How to Recover Username and Password?


Visit the login Page, Scroll down and click “forget Password” button or just CLICK HERE

Fill in the following details once on the page:

  • Username
  • SSN Or TaxID
  • Birth Date
  • ZIP Code

Click CONTINUE to confirm your Password recovery


Visit the login Page, Scroll down and click “forget User ID” button or just CLICK HERE

Fill in the following details once on the page:

  • Member Number
  • SSN Or TaxID
  • Birth Date
  • ZIP Code

Click Continue to Recover your USER ID.

Lost or Stolen Card

For lost, stolen card or suspected fraudulent transactions on your card, please contact the designated support immediately on +1.925.468.6300

How To Make Bill payment?

Cardholders should register for Bill pay online with Patelco Online™,

  • Log in to Patelco online dashboard by clicking here
  • Select the Bill pay widget
  • Bill pay agreement – check the I agree box.
  • Then select “Continue”

NB: When making, log into your account and on the dashboard make your bill payment. You can also get this done by phone: To make your bill payment via phone call the customer support team.

Introducing the Student Rewards MasterCard

Patelco Student Rewards MasterCard

We believe this card will be of importance to student as the name implies.

Patelco Credit Union Progress Student Rewards Mastercard Credit Card is a credit card for students that offers perks and benefits you deserve, security and protection you expect, whether your buying books on campus, ordering pizza, or trotting halfway around the globe.

  • Get 2 points for every $1 on all school and grocery purchases, and 1 point for every $1 on all other purchases with Patelco Credit Union Progress Student Rewards Mastercard Credit Card
  • Redeem points for cash, merchandise, and even travel, Points don’t expire.
  • Earn 10,000 bonus points if you spend $2,500 within the first 3 months of card opening.

Patelco Student Rewards Rates and Fees.

  • Purchase intro APR – Not Offered
  • Transfer Intro APR –Not Offered
  • Regular APR – 9.15% – 13.15% (V)
  • Annual Fee – None
  • Balance Transfer Fee – None

Additional Information

  • MLF – $15
  • Maximum Overlimit Fee – None
  • Maximum Penalty APR –None.
  • Grace Period – 25 days
  • Online Response– No
  • Cash Advance Rate – 12.15%-16.15% (V)
  • Cash Advance Fee –2% (min $2.5)
  • Foreign Transaction Fee –1%
  • Smart Chip – yes, chip-and-PIN
  • Secured with Zero Liability Protection and Mastercard ID Theft Protection™
  • Purchase Benefits: Includes Price Protection and Extended Warranty Coverage
  • Mastercard Global Service™
  • Free Online Banking and Mobile App for iOS and Android.

Patelco Student Rewards Benefits

Aside the above listed, some of the Student Rewards benefit we were able to unveil includes the following:

  • Extended Warranty: This doubles the original manufacturers or store brand warranty for up to one year when you pay with your eligible Mastercard.
  • Price Protection: You may be reimbursed for the price difference, if you find a lower price for a new item within 60 days from the date of purchase using your eligible MasterCard.
  • Return Guarantee: This provides coverage for most items you purchase with your eligible Mastercard if merchant doesn’t accept return within 60 days. $250/item limit.
  • Satisfaction Guarantee: You may be eligible for a refund for the cost of the product up to $250, if you become dissatisfied with a product you purchased using your eligible Mastercard within 60 days of purchase.
  • Baggage Delay Insurance: This benefit reimburses you for replacing essential personal or business items in your baggage, if the baggage you’ve checked on a common carrier is delayed in transit and your tickets were purchased using an eligible Mastercard.
  • Car Rental Insurance: This pays for covered damages (physical damage and theft) to a rental vehicle when your eligible Mastercard is used to initiate and pay for the entire rental transaction.
  • Hotel Theft Insurance: Your hotel/motel stay must be purchased entirely with an eligible Mastercard, for you to get reimbursement for your personal stolen from your hotel or motel room.
  • Baggage Loss Insurance: This gives reimbursement for the actual cost of repairing or replacing your checked or carry-on luggage if it is lost or damaged while traveling on a common carrier when you pay the entire cost of the tickets with your eligible Mastercard.
  • Flight Accident Insurance: This covers you and your family against accidental death or dismemberment if you purchase common carrier travel tickets with your eligible Mastercard.
  • Trip Cancellation: This benefit provides reimbursement for you and your family for any nonrefundable cancellation or change fee if your trip is interrupted or canceled and you have purchased your common carrier tickets with your eligible Mastercard.

Patelco Student Rewards Application

  • Visit the patelco website or click here
  • If you are a member already, select I am a patelco member, otherwise, select“I would like to be a patelco member or I do not remember my username & password. Take me to a blank application” and click next to get started
  • Read through the terms and conditions before you proceed with the application.
  • Select if you are a patelco member or otherwise, and click next
  • Fill in all the information required and go over your application again.
  • Click close to exit your secure application.

Patelco Credit Union FAQ

We know you have questions, let’s try and answer a few here before we refer you to the official customer care service for Patelco Credit Union.

What is Patelco Credit Union?

Patelco Credit Union happens to be a community credit union that was founded in 1936 making it one of the oldest in the state.

Can anyone join Patelco Credit Union?

Once you meet and accept the terms of use of Patelco, you can join the union upon consideration.

Is Patelco Credit Union FDIC insured?

Automatically, yes. Insured with a $250,000 coverage

How to contact Patelco Credit Union customer service phone number

You can contact Patelco Credit Union on phone by calling +1-909-941-1034.

Is Patelco Credit Union Good?

Depends on what you need in a Card, the Patelco Union card offers great rates and better rates compared to other cards.

Patelco Credit Card Customer Service

The customer service center is available for all enquiries and information, For General Questions and assistance call +1-909-941-1034.

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