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Mastercard4/4 on file
✓ Annual fee checked
Patelco Credit Union · Mastercard

Points Rewards World Mastercard Credit Card

Low InterestNo Annual FeeWelcome Bonus

The Points Rewards World Mastercard Credit Card is a Mastercard from Patelco Credit Union with an annual fee of $0. Here is what we hold on it, and what we do not.

Not every figure here is checked

Checked against a published document: annual fee (Oct 2026), purchase APR (Sep 2026), earn rates (Oct 2026). Not yet checked with Patelco Credit Union: foreign transaction fee and welcome offer. Patelco Credit Union’s own page is authoritative — confirm anything you rely on there before you apply.

Annual fee$0per yearChecked patelco.org
Top earn rate2xon Gas & FuelChecked patelco.org
Welcome offer20,000 ptsChecked patelco.org
Browse other cardsNo application link on file · apply through Patelco Credit Union directly

Credit union with branches in: California (35). Where it has branches is not a rule on who may apply.

Source: NCUA call report (ncua.gov) · read Oct 7, 2026

Ledger entry

The receipt

Every cost line we hold for the Points Rewards World Mastercard Credit Card, exactly as recorded.

Annual fee
$0Checked patelco.org
Supplementary card
Not confirmed
Foreign transaction
1%Not yet checked with Patelco Credit Union
Purchase APR
11.65%–20.15%Checked patelco.org
Income requirement
Not confirmed
Network
Mastercard
Credit needed
Not confirmed
Sign-up

The welcome offer

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
Points20,000Checked patelco.org
Min. spend$1,500within 90 daysChecked patelco.org
Rewards

What it earns

Published category multipliers for the Points Rewards World Mastercard Credit Card.

CategoryEarn rateCap
Gas & Fuel2xNo cap on file
Groceries2xNo cap on file
Other1xNo cap on file
Checked patelco.org
Next step

Ready to apply for the Points Rewards World Mastercard Credit Card?

We hold no application link for this card. Patelco Credit Union takes applications on their own site — or compare the alternatives we do have links for.

Browse alternatives
Questions

Questions about the Points Rewards World Mastercard Credit Card

How much is the Points Rewards World Mastercard Credit Card annual fee?

The Points Rewards World Mastercard Credit Card has an annual fee of $0. Weigh that against the rewards and perks you will actually use.

What does the Points Rewards World Mastercard Credit Card earn?

The Points Rewards World Mastercard Credit Card earns 2x on gas & fuel, plus published rates on 2 other categories. The full table is on this page.

What network is the Points Rewards World Mastercard Credit Card on?

The Points Rewards World Mastercard Credit Card runs on the Mastercard network, which determines where it is accepted and which network-level benefits apply.

Is the Points Rewards World Mastercard Credit Card available in United States?

Yes — the Points Rewards World Mastercard Credit Card is issued by Patelco Credit Union and is available to eligible applicants in United States. Approval depends on the issuer's own credit and income criteria.

When were the Points Rewards World Mastercard Credit Card figures last checked?

We checked its annual fee in October 2026, its purchase APR in September 2026 and its earn rates in October 2026, each against a published document. Not yet checked with Patelco Credit Union: foreign transaction fee and welcome offer. Terms can change without notice, so confirm the current details with Patelco Credit Union before you apply.