| Rewards | 2 points per $1 on school and grocery purchases, 1 point per $1 on all other purchases. |
|---|---|
| Signup Bonus | N/A |
| Annual Fee | None |
| Cardmember Agreement | View Here |
| Cash Advance APR | 14.65%–23.15% variable |
| Cash Advance Fee | $2.50 or 2% of each transaction, whichever is greater; maximum $75 |
| Late Payment Fee | Up to $15 if payment is 15 or more days late |
| Purchases APR | 11.65%–20.15% variable |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Patelco Credit Union Progress Student Rewards Mastercard is designed for students building credit while earning rewards, with no annual fee and 2 points per $1 on school and grocery purchases, plus 1 point on other spending. Most users say the card’s biggest advantages are its student-friendly structure, straightforward rewards, and relatively low fees.
Many reviewers mentioned that Patelco’s credit-union approach can feel more personal than dealing with a large national bank. The lack of an annual fee is also a clear plus for students managing a tight budget.
On the downside, some users may find the rewards less competitive than student cards offering higher cash-back rates or attractive signup bonuses. Patelco’s membership requirements and smaller branch network may also be less convenient for some applicants.
Personally, I think it’s a solid option for students who want to establish credit while earning modest rewards on everyday expenses. It’s worth considering if you value simplicity and low fees, but students focused primarily on maximizing rewards may find stronger alternatives elsewhere.
RATE THIS CREDIT CARD
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Helpful for building Credit as a Student
As college freshman, the Patelco Progress Student Rewards card genuinely helped me start credit responsibly. Simple rewards and clear terms made managing expenses less stressful definitely boosted my confidence and score.
