Tapping a 3Rivers Mastercard Credit Card
Swipe. Earn. Save.

3Rivers Mastercard® Rewards

Earn 5% on fuel, 3% on dining, travel, and entertainment, and 1% on everything else—all with a low rate that keeps your goals within reach.
Apply Now View Your Rewards

Power up your everyday spending.

The 3Rivers Mastercard® credit card makes everyday spending more rewarding with a low, steady rate of 18% APR1 and rewards that fit your lifestyle.

Whether you’re filling up, dining out, traveling the world, or just taking care of life’s everyday essentials, every purchase helps you earn points2 that add up fast.

Your rewards are earned as points—but the percentages make it easy to see just how much you’re getting back. Redeem points for cash back, travel, gift cards, and more through your Credit Card Rewards portal, conveniently located in 3Rivers digital banking.

With a competitive low rate, no annual fee, and the trust of your local credit union, your 3Rivers Mastercard® is built to help you spend smarter, earn more, and stay in control of your financial wellness.

Rewards built for your lifestyle.

Fueling Up

5% cash back equivalent on gas/EV charging—up to $250/month.

Going Out

3% cash back equivalent on travel, dining & entertainment.

Everyday Purchases

1% cash back equivalent on everything else.

Credit Card Rewards

Disclaimer

¹ The Annual Percentage Rate (APR) for purchases, balance transfers and cash advances is fixed at 18.00%, which means it will not fluctuate based upon Prime Rate or other indices. Rate is subject to change as permitted by the Credit Card Agreement and applicable laws, which may include, but are not limited to, failure to comply with Agreement terms (such as late payments), or the expiration of any introductory or promotional offer rate period. You will be provided advance notice of changes to the fixed APR as required by law. Fixed Rate APR applies only to the interest rate on outstanding card balances. Other fees or penalty rates may apply as detailed in your Credit Card Agreement and Schedule of Fees. There is no annual fee and no balance transfer fee for the 3Rivers Mastercard® credit card. Existing cardholders with a different rate who had a 3Rivers Mastercard® as of December 8, 2025, will maintain their current APR. Request a copy of the full credit card agreement and disclosure here. All offers may end at any time without prior notice.

² Rewards are earned as points based on eligible purchase categories made with the 3Rivers Mastercard® credit card. Cardholders earn five (5) points per dollar on the first $250 in fuel purchases per month and/or up to $3,000 annually (including EV recharging) and 1 point per dollar when in excess of $250 per month or $3,000 annually, three (3) points per dollar on dining, travel, and entertainment purchases, and one (1) point per dollar on all other purchases. You choose how to redeem points for cash back, merchandise, gift cards, or credits for travel or events through 3Rivers Online and/or Mobile Banking. A minimum number of points may be required for redemption of certain rewards which varies depending upon selected reward(s). Cash back is issued as a statement credit and is not redeemable for cash or check. Points may be deducted in the event of returns or refunds, in accordance with the 3Rivers Member Rewards terms.

Mastercard Guide to Benefits for Credit Cardholders

Mastercard Guide to Benefits for Standard Debit Cardholders
Spend Categories Purchase Amount Earned Points
Fuel/EV Charging $1 5 Points
Dining/Travel/Entertainment $1 3 Points
Every Day Purchases $1 1 Point

Free Identity Theft Protection

As a 3Rivers Mastercard® credit cardholder, you have access to complimentary Identity Theft Protection to help safeguard your personal information and provide support if your identity is ever compromised. Enrollment is quick, and this valuable benefit is included with your card at no additional cost.

Peace of Mind for Everyday Life

Identity theft can happen when you least expect it. This benefit helps you monitor for suspicious activity, stay informed of potential threats, and access recovery resources if needed. Enroll today and get even more value from your 3Rivers credit card.


Enroll Now
Why Enroll? 
  • Protection included at no additional cost
  • Monitor for potential identity threats
  • Receive alerts when suspicious activity is detected
  • Access support if identity theft occurs
  • Make the most of your 3Rivers Mastercard® benefits
Join Over 136,000 Members

We're Not a Bank—We're a Cooperative

Member-owned, not-for-profit. We reinvest profits into better rates, lower fees, and community investment. 90 years of local trust. This is banking for you.
See Our Impact

Get in Touch

Connect with us however works best for you! We're here to answer questions and help you reach your financial goals.

Call Us

Reach our knowledgeable team anytime.

Visit a Branch

Stop by any of our 24+ locations.

Schedule an Appointment

Book a meeting in-person, over-the-phone, or virtually.
Disclaimer
¹ The Annual Percentage Rate (APR) for purchases, balance transfers and cash advances is fixed at 18.00%, which means it will not fluctuate based upon Prime Rate or other indices. Rate is subject to change as permitted by the Credit Card Agreement and applicable laws, which may include, but are not limited to, failure to comply with Agreement terms (such as late payments), or the expiration of any introductory or promotional offer rate period. You will be provided advance notice of changes to the fixed APR as required by law. Fixed Rate APR applies only to the interest rate on outstanding card balances. Other fees or penalty rates may apply as detailed in your Credit Card Agreement and Schedule of Fees. There is no annual fee and no balance transfer fee for the 3Rivers Mastercard® credit card. Existing cardholders with a different rate who had a 3Rivers Mastercard® as of December 8, 2025, will maintain their current APR. Request a copy of the full credit card agreement and disclosure here. All offers may end at any time without prior notice.¹ The Annual Percentage Rate (APR) for purchases, balance transfers and cash advances is fixed at 18.00%, which means it will not fluctuate based upon Prime Rate or other indices. Rate is subject to change as permitted by the Credit Card Agreement and applicable laws, which may include, but are not limited to, failure to comply with Agreement terms (such as late payments), or the expiration of any introductory or promotional offer rate period. You will be provided advance notice of changes to the fixed APR as required by law. Fixed Rate APR applies only to the interest rate on outstanding card balances. Other fees or penalty rates may apply as detailed in your Credit Card Agreement and Schedule of Fees. There is no annual fee and no balance transfer fee for the 3Rivers Mastercard® credit card. Existing cardholders with a different rate who had a 3Rivers Mastercard® as of December 8, 2025, will maintain their current APR. Request a copy of the full credit card agreement and disclosure here. All offers may end at any time without prior notice.

² Rewards are earned as points based on eligible purchase categories made with the 3Rivers Mastercard® credit card. Cardholders earn five (5) points per dollar on the first $250 in fuel purchases per month and/or up to $3,000 annually (including EV recharging) and 1 point per dollar when in excess of $250 per month or $3,000 annually, three (3) points per dollar on dining, travel, and entertainment purchases, and one (1) point per dollar on all other purchases. You choose how to redeem points for cash back, merchandise, gift cards, or credits for travel or events through 3Rivers Online and/or Mobile Banking. A minimum number of points may be required for redemption of certain rewards which varies depending upon selected reward(s). Cash back is issued as a statement credit and is not redeemable for cash or check. Points may be deducted in the event of returns or refunds, in accordance with the 3Rivers Member Rewards terms.

Mastercard Guide to Benefits for Credit Cardholders

Mastercard Guide to Benefits for Standard Debit Cardholders