Patelco Credit Union Points Rewards World Mastercard®

Grocery is the strongest category at 2% effective value (2x points at about 1 cents each). That grocery rate ranks higher than about 47% of the 1,552 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.

Grocery is the strongest category at 2% effective value (2x points at about 1 cents each). That grocery rate ranks higher than about 47% of the 1,552 cards we track in that category.

Madeen values Patelco Rewards at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.

The Patelco Credit Union Points Rewards World Mastercard has 2 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.

• 2 points per $1 for gas purchases
• 2 points per $1 for grocery purchases

The Patelco Credit Union Points Rewards World Mastercard fits spenders who put meaningful volume in grocery and can earn 2x points. Best for spenders who put meaningful volume in grocery and can earn 2x points. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.

Patelco Credit Union Points Rewards World Mastercard fits spenders who put meaningful volume in grocery and can earn 2x points. Madeen ranks its grocery effective rate higher than about 47% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.

Best for spenders who put meaningful volume in grocery and can earn 2x points.

Foreign transaction fees make it weaker for international spend.

Best for grocery-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.

The Patelco Credit Union Points Rewards World Mastercard has an annual fee of $0 and a foreign transaction fee of $1. Issuer pages control fees and offers; Madeen labels this as catalog analysis, not issuer-confirmed terms. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.

Annual fee

$0

Foreign transaction fee

$1

The Patelco Credit Union Points Rewards World Mastercard includes Booking.com, Cellular Wireless Telephone Protection, Dovly Uplift™ in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.

• Booking.comIncluded with Visa Traditional

  Purchase qualifying stays with your eligible Visa Credit or Debit card and get up to 8% in Travel Credits to use on future flights, stays, car rentals, attractions, car rentals, taxis and more.

• Cellular Wireless Telephone Protection

  Reimbursement for the actual cost to replace or repair a stolen or damaged eligible cellular wireless telephone.

• Dovly Uplift™Included with Visa Traditional

  Get free access to Dovly Uplift. Dovly helps you raise your credit score and get more for your money. While Dovly's platform is designed to remove inaccuracies from your credit report, every case is different, and not everyone will achieve the same results.

• Extended Warranty - Two Year Benefit

  Extended Warranty doubles the time period of your Covered Purchase’s original Manufacturer’s Warranty or Store Warranty up to a maximum of twenty-four (24) months following the day that the Manufacturer’s Warranty or Store Warranty expires.

• OpenTableIncluded with Visa Traditional

  Eligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.

• Roadside Dispatch®Included with Visa Traditional

  This is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.

• Sofar SoundsIncluded with Visa Traditional

  Enjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.

Compare the Patelco Credit Union Points Rewards World Mastercard against Patelco Credit Union Progress Student Rewards Mastercard (2% on Grocery, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.

• Grocery

• Patelco Credit Union Progress Student Rewards Mastercard®Patelco Credit Union · 2% on grocery

Madeen may earn compensation from some apply links. Compensation may affect which offers are available, but it does not control recommendations for cards you have already added to your wallet. Affiliate disclosure