The Patelco Credit Union is a personal credit card from Patelco Credit Union. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 11.65% to 20.15% based on creditworthiness (rates effective 02/26/2026); variable: Prime Rate index plus a margin of 4.90 to 13.40 percentage points for purchases and balance transfers. Signup bonus: 20,000 extra points (worth $200) when you spend $1,500 in the first 3 months of opening your card. Rewards: 2X points for every $1 in gas and grocery purchases; 1 point per $1 for all other purchases; points do not expire. Typical credit limit: $300 - $50,000. Loan terms: Revolving credit card; due date at least 25 days after the close of each billing cycle; no interest on purchases if the entire balance is paid by the due date; average daily balance (including new purchases) method. This product reports activity to your personal credit report. Pre-qualification available (soft pull). BT Fee: $0 — no balance transfer fees on their low-rate / Pure card. Post-intro APR: As low as 10.75% up to ~17.95% (for Pure Mastercard) Accessible via FFA membership ($8/year, Financial Fitness Association).