The Patelco Credit Union Cards is a personal credit card from Patelco Credit Union Cards. The annual fee is $0 — no annual fees. The ongoing APR is As low as 9.70% APR after a 0% introductory rate for 6 months. Signup bonus: 20,000 bonus points ($200 value) after $1,500 spend in 3 months. Rewards: 2X points on gas & groceries, 1X on other purchases for Points Rewards World Mastercard. 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).