PCU Payback World Elite MasterCard Features | Login Online | Apply Now

PCU Payback World Elite MasterCard

PCU Payback World Elite MasterCard

PCU Payback World Elite MasterCard is a good option for you as it offers a competitive annual interest rate and additional rewards for travel expenses, with an annual fee of $85. With respect to the rewards program, holders of this cards receive 3 points for every dollar spent on all travel and food expenses, and 2 points for every $1 for all other purchases.

Features of PCU Payback World Elite MasterCard

Receive 3 points for every $1 on all travel and food purchases, earn 2 points for every $1 on all other purchases

There is no annual fee for the first year

Annual Fee becomes $85 after the first year

Cash Advance APR is 13.40% to 16.40% (APR is subject to change)

Cash Advance Fee is either $2.50 or 2% of each transaction, whichever is greater

Late Payment Fee is about $15

Purchases APR is 10.40% to 13.40% (APR is subject to change)


To use this card, you must meet the following requirements:

  • Be at least 18 years old
  • Have a SSN number
  • You have a photo ID issued by the United States.
  • Have a mailing address in the United States.

How to Apply

Step 1: From the webpage click the Apply Now button to access the secure application.

Step 2: a window will appear before you can access the credit card application.

If you are a member of Patelco and remember your login information, select I am a member of Patelco.

I want to log in to complete my application. Otherwise, choose I want to be a member of Patelco or I do not remember my username and password.

Take me to the empty application. When you have finished choosing one of these options, click Next.

Step 3- You will be redirected to the application form, where the following pop-up window will appear; Click on the link to read your credit card information. Once you have finished reviewing the terms in this document, click I accept if you agree to the terms and wish to continue.

Step 4- To complete the first page of the application and move on to the next one. You must be a member of Patelco and enter your membership number or qualify for membership by choosing one of the three options provided and providing the necessary proof.

After entering all this information, click on Next to go to the next page

Step 5: At the beginning of the next page, you will provide all the required personal information that is indicated in the section marked as Applicant

Step 6 Then, in the Residence for Applicants section, all the following information will be required: address, city, state, Postal Code, Phone number of the house, Time of stay, Type of enclosure, Monthly payment

Click on Next when all required fields on this page are complete.

Step 7- On the next page, you must provide all employment and income information that is detailed, as indicated on the form

Step 8: Before finishing, you must correct the possible errors and enter the missing information in your application. On the last page there are several paragraphs related to legal agreements related to the submission of this form. If you accept these terms, select the I

PCU Payback World Elite MasterCard Login

You can log in to your account at any time through the PCU website. After entering your user ID and password in the login panel and clicking on Log in to Online Banking, you will be logged in immediately and will be able to manage your account.

Forgot password or username

Forgot your user ID? Just click on Forgot: User ID in the login panel, enter the following information on the next page and click Submit to download your user ID: Birthdate, The last 4 digits of the SSN.

Did you forget your password? You must change the password to a new one by clicking on I forgot my password in the login panel and entering the following information: User ID, Birthdate, The last 4 digits of the SSN., Postal Code

After completing these fields, click Send.

On the next page, you will create a new password that you can use to log in and regain access to your account.

Activation / registration

Secure registration

If you want to activate the new card online, Call the number directly 1 (866) 762-0558to activate the new card with a PCU customer service representative.


1 (800) 358-8228

Mailing Address: Patelco Credit Union // P.O. Box 2227 // Merced, CA 95344