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The 3Rivers Mastercard earns you one point for every dollar spent on everyday purchases and balance transfers!. You can redeem these points at UChoose Rewards for cash back1, merchandise, travel, gift cards, and more.

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Some examples of the rewards you can earn include:

  • Cash Back: Cash back rewards are redeemable as statement credits.
  • Merchandise: Items that can be purchased range from electronics (computers, TVs, games), to home garden products, to office equipment, and more.
  • Travel: Going on vacation? Use your points toward the cost of hotels, airline tickets, rental cars, and cruises!
  • Gift Cards: Treat yourself or a loved one to a gift card to your favorite restaurants, gas stations, apps, and more from top retail stores.

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Managing Your Credit Card

Contrary to the advice you may have heard about credit cards being dangerous and harming your credit, this is only the case if and when they're not used effectively. Spending mindfully, making on-time payments, and more can actually help to improve your credit over time!


The Truth about Minimum Payments

When you open your credit card statement and see the dollar amount next to “Minimum Payment Due,” it’s easy to assume that you don’t really need to pay more than that amount. While it's true that you don't have to pay more than the minimum monthly payment, here's a healthy financial habit that card companies may not always tell you: you can pay more than the minimum. And you should.

It’s true! You can pay as much as you want. In fact, if you’re able, you can pay the entire balance of your credit card each month, then you won't have to pay on interest!

Here's an example of how paying more each month will save you in the long run:

Credit Card Balance Payoff Example: $5,000 | Rate: 12.45%

Last updated: 4/1/2021
Payment Per Month How Long To Pay Off? Total Interest Paid
$75.00 9 years, 6 months $3,549.40
$150.00 3 years, 6 months $1,167.66
$500.00 11 months $306.79

*Calculations were created from using the following calculator

So you may wonder why we don’t force you to pay the whole balance if it’s the best way to pay. We know that it’s not always possible to pay the entire balance, so we want to give you a flexible way to pay your bill each month. For that reason, we’ll let you pay as little as 1.5% of your balance as your minimum payment. But remember that your best bet will always be to pay more than the minimum each month. That’s how you can eliminate debt quicker and pay less interest over the life of your credit card.

Mastercard Credit Card

Last updated: 6/1/2023
Perk Description
Annual Percentage Rate1 As low as 15.70% APR1
Minimum Finance Charge NONE
Annual Fee NONE
Grace Period If you pay your previous balance in full on or before the due date shown on your previous statement, you will have a grace period on purchases of 25 days from the statement closing date to the payment due date.
Cash Advances 3%
Balance Transfer Fee NONE
Over Limit Fee NONE
Late Payment Fee $25.00 if payment is more than 10 days late
Method of Computing Balance Average daily balance including new transactions

1No annual fee. Annual percentage rate and credit limit based on credit analysis and evaluation.

Mastercard® Core Benefits

Your 3Rivers Mastercard® comes with many great additions and core benefits, including:

There's no balance transfer fee2 and no annual fee2. Plus, the 3Rivers Mastercard credit card is equipped with EMV chip and contactless payment technology to help keep your personal and purchase information more secure and transactions simple

Consumer Debit Card Benefits:

• Mastercard ID Theft Protection
• Satisfaction Guarantee
• Mastercard Airport Concierge
• Lost and Stolen Card Reporting
• Emergency Card Replacement
• Emergency Cash Advance
• Extended Warranty

Learn more the details about your 3Rivers debit card benefits.

Consumer Credit Card Benefits:

• Mastercard ID Theft Protection
• Satisfaction Guarantee
• Mastercard Airport Concierge
• Lost and Stolen Card Reporting
• Emergency Card Replacement
• Emergency Cash Advance

Learn more the details about your 3Rivers credit card benefits.

Small Business Debit and Credit Card Benefits:

• Mastercard ID Theft Protection
• Satisfaction Guarantee
• Mastercard Airport Concierge
• Lost and Stolen Card Reporting
• Emergency Card Replacement
• Emergency Cash Advance
• Intuit QuickBooks Online Discount
• Intuit TurboTax Discount
• Mastercard Mobile Receipt Management
• Mastercard Business Assistant
• Wireless Telephone Protection
• MasterRental Insurance Coverage

Learn more the details about your 3Rivers Small Business card benefits

1 The APR is based on cardholder’s creditworthiness but is subject to change if rates increase due to change of index. There is no annual fee and no balance transfer fee for the 3Rivers Mastercard credit card. Request a copy of the full credit card agreement and disclosure here.
All offers may end at any time without prior notices. There is no annual fee. Annual Percentage Rate based on creditworthiness at the time you open the account.

2 The earning of rewards is equal to 1 point for every $1 transferred or purchases made with the 3Rivers credit card. You choose how you want to use these points to redeem cash back, merchandise, gift cards, or credits for travel or events. Visit to create an account and redeem your points. Points can be redeemed at time, but a minimum number of points may be required for redemption of certain rewards. Cash back is in the form of statement credits and is not redeemable by way of cash or check. In the event of returns or credit card refunds, points may be deducted, subject to the UChoose terms

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