3 cards side by side

Points Rewards World Mastercard Credit Card vs Progress Student Rewards Mastercard Credit Card vs Pure Secured Mastercard Credit Card

At a glance

Lowest purchase APR: Pure Secured Mastercard Credit Card — 9.7%, vs Points Rewards World Mastercard Credit Card 11.65%–20.15% and Progress Student Rewards Mastercard Credit Card 11.65%–20.15%.
Same annual fee on all 3: $0.
Same foreign transaction fee on all 3: 1%.

Points Rewards World Mastercard Credit Card compared with Progress Student Rewards Mastercard Credit Card compared with Pure Secured Mastercard Credit Card
7 of 8 rows have data	Points Rewards World Mastercard Credit CardPatelco Credit Union7 of 8 facts on file · annual fee checked Oct 2026	Progress Student Rewards Mastercard Credit CardPatelco Credit Union6 of 8 facts on file · annual fee checked Oct 2026	Pure Secured Mastercard Credit CardPatelco Credit Union5 of 8 facts on file · annual fee checked Oct 2026
Purchase interest (APR)Charged on balances you carry. Your rate may depend on approval. Lower is marked only when a published issuer or regulator document confirms every card's rate.	11.65%–20.15%	11.65%–20.15%	9.7%Lower
Top earn ratesPer unit of currency spent, as the card states it. Not ranked: points in different programs aren't worth the same, and most rates don't record their unit.	2x on gas · 2x on groceries · 1x on everything else	2x on groceries · 2x on school · 1x on everything else	Not confirmed
Welcome offerAs the issuer describes it. Offers change often, so check the terms before you apply.	Get 20,000 extra points – worth $200 – when you spend $1,500 in the first 3 months of opening your card.Not yet checked with Patelco Credit Union	Not confirmed	Not confirmed
Annual feeSame on allPer year. Lower is marked only when every fee has been verified against the issuer.	$0No annual fee	$0No annual fee	$0No annual fee
Foreign transaction feeSame on allAdded to purchases in another currency. Lower is marked only when a published issuer or regulator document confirms every card's fee.	1%Not yet checked with Patelco Credit Union	1%Not yet checked with Patelco Credit Union	1%Not yet checked with Patelco Credit Union
Listed underThe sections of this site the card appears in.	Low Interest, Welcome Bonus	Low Interest, Student	Low Interest, Secured
NetworkSame on allWhere the card is accepted.	Mastercard	Mastercard	Mastercard
Apply	DetailsNo application link on file	DetailsNo application link on file	DetailsNo application link on file

Points Rewards World Mastercard Credit CardPatelco Credit Union7 of 8 facts on file · annual fee checked Oct 2026
Progress Student Rewards Mastercard Credit CardPatelco Credit Union6 of 8 facts on file · annual fee checked Oct 2026
Pure Secured Mastercard Credit CardPatelco Credit Union5 of 8 facts on file · annual fee checked Oct 2026

Purchase interest (APR)Charged on balances you carry. Your rate may depend on approval. Lower is marked only when a published issuer or regulator document confirms every card's rate.

Points Rewards World Mastercard Credit Card: 11.65%–20.15%
Progress Student Rewards Mastercard Credit Card: 11.65%–20.15%
Pure Secured Mastercard Credit Card: 9.7%Lower

Top earn ratesPer unit of currency spent, as the card states it. Not ranked: points in different programs aren't worth the same, and most rates don't record their unit.

Points Rewards World Mastercard Credit Card: 2x on gas · 2x on groceries · 1x on everything else
Progress Student Rewards Mastercard Credit Card: 2x on groceries · 2x on school · 1x on everything else
Pure Secured Mastercard Credit Card: Not confirmed

Welcome offerAs the issuer describes it. Offers change often, so check the terms before you apply.

Points Rewards World Mastercard Credit Card: Get 20,000 extra points – worth $200 – when you spend $1,500 in the first 3 months of opening your card.Not yet checked with Patelco Credit Union
Progress Student Rewards Mastercard Credit Card: Not confirmed
Pure Secured Mastercard Credit Card: Not confirmed

Annual feeSame on allPer year. Lower is marked only when every fee has been verified against the issuer.

Points Rewards World Mastercard Credit Card: $0No annual fee
Progress Student Rewards Mastercard Credit Card: $0No annual fee
Pure Secured Mastercard Credit Card: $0No annual fee

Foreign transaction feeSame on allAdded to purchases in another currency. Lower is marked only when a published issuer or regulator document confirms every card's fee.

Points Rewards World Mastercard Credit Card: 1%Not yet checked with Patelco Credit Union
Progress Student Rewards Mastercard Credit Card: 1%Not yet checked with Patelco Credit Union
Pure Secured Mastercard Credit Card: 1%Not yet checked with Patelco Credit Union

Listed underThe sections of this site the card appears in.

Points Rewards World Mastercard Credit Card: Low Interest, Welcome Bonus
Progress Student Rewards Mastercard Credit Card: Low Interest, Student
Pure Secured Mastercard Credit Card: Low Interest, Secured

NetworkSame on allWhere the card is accepted.

Points Rewards World Mastercard Credit Card: Mastercard
Progress Student Rewards Mastercard Credit Card: Mastercard
Pure Secured Mastercard Credit Card: Mastercard

Apply

DetailsNo application link on file

Not confirmed for any of these cards: Rewards program. We leave these out rather than show a row of blanks — check the issuer’s own terms for them.

Lower lowest figure, marked only when every card’s figure is confirmed by the issuer’s or a regulator’s published document Not confirmed: we hold no checked figure — a blank is not a claim of zero On file, but not yet checked with the issuer — confirm it on their own page

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The bottom line

Which one?

Cost is only half of it. Match each card’s earn rates and welcome offer to where your money actually goes, confirm anything marked “not confirmed” with the issuer, then open the full review for the card that fits.

Points Rewards World Mastercard Credit Card review Progress Student Rewards Mastercard Credit Card review Pure Secured Mastercard Credit Card review

Questions

Frequently asked

Can I hold Points Rewards World Mastercard Credit Card, Progress Student Rewards Mastercard Credit Card and Pure Secured Mastercard Credit Card at the same time?

In most cases, yes. Holding cards from different issuers is common and can help you cover more spending categories. Check each issuer's own policies for any restrictions.

Are these cards available in United States?

Every card in this comparison is issued for United States. Approval depends on each issuer's credit and income criteria.