Terms & Conditions for Patelco� s Points Rewards World Mastercard� Credit  Card 
Interest Rates and Interest Charges 
Annual Percentage Rate 
(APR) for Purchases  
APR for Balance Transfers  8.40% to 16.90% based on your creditworthiness. This
APR will vary with the market based on the Prime Rate. 
APR for Cash Advances  11.40% to 19.90% based on your creditworthiness.
This APR will vary with the market based on the Prime Rate. 
Penalty APR and When it Applies None  
Minimum Interest Charge None  
To learn more about factors to consider when 
applying for or using a credit card, visit the website of 
the Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore  
Fees 
Annual Fee None  
Transaction Fees 
Balance Transfer Fee None  
Cash Advance Fee Either $2.50 or 2% of each transaction, whichever 
is greater (maximum fee: $75). 
Foreign Transaction Fee 1% of each transaction in U.S. dollars if initiated or 
processed in foreign currencies or countries (this fee is in 
addition to other applicable fees such as cash advance 
fees). 
Penalty Fees 
Late Payment Fee Up to $15 if payment is 15 or more days late. 
Over-the-Credit Limit None  
Returned Payment None  
How We Will Calculate Your Balance: We use a method called �average daily balance (including new 
purchases).� See your account agreement for more details. 
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in 
your account agreement. 
How We Will Calculate Your Variable APRs: We will add a �Margin� to an �Index Rate� to determine your 
variable interest rates. For each billing period the Index Rate we will use will be equal to the Prime Rate reported 
in the Federal Reserve Bulletin on the first day of the month preceding the month in which the rate will take 
effect. The Index Rate as of 04/01/2022 is 3.50 percentage points. The �Margin� for purchases and balance 
transfers will be 4.90 to 13.40 percentage points based on your credit worthiness. The �Margin� for cash 
advances will be 7.90 to 16.40 percentage points based on your creditworthiness.   
8.40% to 16.90% based on your creditworthiness. This
APR will vary with the market based on the Prime Rate. 
How to Avoid Paying Int erest 
on PurchasesYour due date is at least 25 days after the close of each 
billing cycle. We will not charge interest on purchases if 
you pay your entire balance by the due date each month. 
For Credit Card Tips from 
the Consumer Financial 
Protection Bureau