Patelco Credit Union Progress Student Rewards Mastercard®
Patelco Credit Union and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Patelco Credit Union. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Patelco Credit Union Progress Student Rewards Mastercard® from Patelco Credit Union earns up to 2% effective value on grocery in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Grocery
- Effective value
- 2%
- Annual fee
- $0
Best for grocery-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in grocery and can earn 2% back.
What does the Patelco Credit Union Progress Student Rewards Mastercard earn in each category?
Grocery is the strongest category at 2% effective value (2% back). That grocery rate ranks higher than about 69% of the 2,855 cards we track in that category. The five-category effective-rate table on this page shows how Patelco Credit Union Progress Student Rewards Mastercard compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight groceries at 2x.
Grocery is the strongest category at 2% effective value (2% back). That grocery rate ranks higher than about 69% of the 2,855 cards we track in that category. The five-category effective-rate table on this page shows how Patelco Credit Union Progress Student Rewards Mastercard compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1% back | 1% |
| Grocery Supermarkets and grocery stores | 2% back | 2% Top category |
| Gas Gas stations and fuel | 1% back | 1% |
| Travel Flights, hotels, transit | 1% back | 1% |
| Other General everyday spend | 1% back | 1% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Patelco Credit Union Progress Student Rewards Mastercard reward caps and conditions?
The Patelco Credit Union Progress Student Rewards Mastercard has 1 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.
- 2 points per $1 for grocery purchases
Who should get the Patelco Credit Union Progress Student Rewards Mastercard?
The Patelco Credit Union Progress Student Rewards Mastercard fits spenders who put meaningful volume in grocery and can earn 2% back. Best for spenders who put meaningful volume in grocery and can earn 2% back.
Patelco Credit Union Progress Student Rewards Mastercard fits spenders who put meaningful volume in grocery and can earn 2% back. Madeen ranks its grocery effective rate higher than about 69% 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 2% back.
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.
Pros
- Strongest Madeen category is grocery at about 2% effective (2% back).
- No annual fee in our catalog snapshot.
Cons
- Charges $1 foreign transaction fees.
Does the Patelco Credit Union Progress Student Rewards Mastercard have an annual fee?
The Patelco Credit Union Progress Student Rewards Mastercard has an annual fee of $0 and a foreign transaction fee of $1. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- $1
What benefits come with the Patelco Credit Union Progress Student Rewards Mastercard?
The Patelco Credit Union Progress Student Rewards Mastercard includes Cellular Wireless Telephone Protection, Extended Warranty - Two Year Benefit in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Cellular Wireless Telephone Protection
$800/yrReimbursement for the actual cost to replace or repair a stolen or damaged eligible cellular wireless telephone.
Extended Warranty - Two Year Benefit
$25/yrExtended 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.
Related encyclopedia topics
Common questions about the Patelco Credit Union Progress Student Rewards Mastercard
Where do cardholders spend most with the Patelco Credit Union Progress Student Rewards Mastercard?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on groceries (2x) for the Patelco Credit Union Progress Student Rewards Mastercard. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Does the Patelco Credit Union Progress Student Rewards Mastercard have an annual fee?
The Patelco Credit Union Progress Student Rewards Mastercard carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Patelco Credit Union Progress Student Rewards Mastercard?
Grocery is the strongest Madeen category for the Patelco Credit Union Progress Student Rewards Mastercard at about 2% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Patelco Credit Union Progress Student Rewards Mastercard charge foreign transaction fees?
The Patelco Credit Union Progress Student Rewards Mastercard charges a foreign transaction fee of $1 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change.
What credit score do you need for the Patelco Credit Union Progress Student Rewards Mastercard?
Madeen's catalog lists a typical credit range of No Credit History / Rebuilding for the Patelco Credit Union Progress Student Rewards Mastercard. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the Patelco Credit Union Progress Student Rewards Mastercard?
Rewards on the Patelco Credit Union Progress Student Rewards Mastercard post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How does the Patelco Credit Union Progress Student Rewards Mastercard compare to similar cards?
Compare the Patelco Credit Union Progress Student Rewards Mastercard against Patelco Credit Union Points Rewards World Mastercard (2% on Grocery, $0 fee); Patelco Credit Union Pure Mastercard (0% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Patelco Credit Union Progress Student Rewards Mastercard This card | Grocery | 2% | $0 |
Patelco Credit Union | Grocery | 2% | $0 |
Patelco Credit Union | Dining | 0% | $0 |
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for grocery spend to see which cards win at checkout.
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Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Patelco Credit Union and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Patelco Credit Union. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure