Credit Cards

You don’t need multiple cards to get the various rewards you want. The 3Rivers Platinum Mastercard credit card lets you choose between cash back1, merchandise, gift cards, and travel. 3Rivers makes it easy and gives you all the rewards in one easy-to-use card.

There is no balance transfer fee2 and no annual fee2. Plus the 3Rivers Platinum credit card is equipped with EMV chip technology to help keep your personal and purchase information more secure.

Apply for a 3Rivers Credit Card

Apply for a 3Rivers Credit Card

3Rivers Platinum Mastercard Credit Card image with rewards and benefits.

Earn 1 point for every $1 spent on everyday purchases and balance transfers. Redeem points at UChoose Rewards for cash or merchandise, such as:

  • Cash back: Redeemable as statement credits
  • Merchandise: computers, TVs, video games, home & garden, office equipment, and more
  • Travel: hotels, airline tickets, rental cars, and cruises
  • Gift cards: restaurants, gas cards, music, travel, and more from top retail stores

Register/Login to UChoose Rewards

Apply for a 3Rivers Credit Card

Apply for a 3Rivers Credit Card

Click here for a balance transfer form, and return it to any 3Rivers branch location.

Managing Your Credit Card

If you’ve talked to anyone about the best way to protect your credit, you’ve probably heard, “Credit cards are bad!” Actually, credit cards are only bad when they’re not used effectively. We want to help explain how you can get the most out of your 3Rivers Credit Card.

The Truth about Minimum Payments

When you open your Mastercard Platinum Credit Card statement and you 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. Well, it’s true that we won’t ask you to pay more than 1.5% of your balance. But since we want to encourage healthy financial habits for our members, here’s a little secret that other card companies may not tell you.

You can pay more than the minimum.

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. Here’s the other part of the secret that those other companies aren’t talking about: If you pay off your balance each month, you’ll never pay any interest! Crazy, huh?

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

Credit Card Balance = $5,000

Annual Percentage Rate = 12.20%2

Payment Per Month How Long To Pay Off? Total Interest Paid
$75 9 yrs, 3 months $3,397.02
$150 3 yrs, 4 months


$500 11 months $300.19
*Calculations are estimations and 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.

Having difficulties accessing your 3Rivers Mastercard Platinum account? Or having trouble with your card?
Please call 1-844-334-3874. Support is available 24/7.

1The earning of rewards is equal to 1 point for every $1 transferred or purchases made with the 3Rivers Platinum 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.
2The APR as of 03/01/18 is as low as 12.20% and 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 Platinum Mastercard credit card. 
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.

Rates & Terms

  Sign-up for Rate Alert

  • Mastercard Platinum Credit Card
  • 3-01-2018



Annual Percentage Rate1

As low as 12.20% APR 1

Minimum Finance Charge


Annual Fee


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


Balance Transfer Fee


Over Limit Fee


Late Payment Fee

$25.00 if payment is more than 10 days late

Method of Computing Balance

Average daily balance including new transactions

1Annual Percentage Rate based on credit worthiness at the time you open the account.


  • Credit Card Balance Transfer Form

  • 3Rivers Credit Card Disclosure