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.

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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.

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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.

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

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3Rivers Mastercard® Rewards