Swipe. Earn. Save. With the 3Rivers Mastercard® credit card.

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

Earn Bigger Credit Card Rewards.

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:

5% on gas

5% cash back equivalent on fuel (and EV charging)—up to $250 per month.

3% on dining, travel

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

1% on the rest

1% cash back equivalent on everything else.

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 online and mobile 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.

Apply for Credit Card

Looking to request a balance transfer? Please complete this form.

Note: Applying—and being approved—for a credit line increase will adjust your APR to the standardized 18% rate.

Credit Card Rewards

Last updated: 11/19/2025

Spend Categories	Purchase Amount	Earned Points
Dining/Travel/Entertainment	$1	3 Points
Every Day Purchases	$1	1 Point
Fuel/EV Charging	$1	5 Points

^{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.}