Business Select Mastercard® Credit Card

Get 2% cash-back rewards on all of your business purchases.

The RBFCU Business Select Mastercard will make your business more profitable when you earn unlimited 2% cash-back rewards on every purchase, every time. Plus, enjoy extra benefits including time-saving business-management tools, digital card management and peace of mind knowing we’re protecting you from identity theft and fraudulent purchases. The Business Select Mastercard includes:

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Get access to operational solutions that will help your productivity.

When you can focus on what you do best, you get more done. The RBFCU Business Select Mastercard can help you increase your everyday efficiency with exclusive savings on financial tools, tax preparation solutions and more. Plus, you earn unlimited 2% cash-back rewards on every purchase.

Intuit QuickBooks logo

Intuit® Small Business Tools

Easily manage income, expenses, payroll and more all in one place with QuickBooks® Online.1*

Microsoft logo

Microsoft Advertising

Attract more customers with $300 in advertising credit after spending $150 with Microsoft Advertising.2*

Zoho logo

Zoho Social

Build, manage and measure your business’ reach across social networks — save 50% on your first year’s subscription.3*

Melio Logo

Melio

New Melio users can receive up to $100 in credit card fee credits when using Melio’s pay-by-card payment platform.4*

Instacart Business logo

Instacart Business

Fuel your business with same-day delivery of snacks, supplies and more. Enjoy three free months of Instacart+ and $20 of your second order each month with Instacart+.5

*Exclusive offers available upon Business Select credit card activation.

Get peace of mind with your RBFCU Mastercard.

The Business Select Mastercard helps protect you and the purchases you make with the following benefits and features:

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Mastercard ID Theft Protection™

Detection and protection against identity theft, including monitoring, alerts and expert resolution.6

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Contactless and Mobile Wallet Payments

Adds additional security with the use of tokenization to mask your actual card number.

Introductory APR Offer

Membership eligibility required. Credit cards are subject to credit approval. Program availability, rates and terms are subject to change. The 2.9% Annual Percentage Rate (APR) is a promotional rate for only Balance Transfers and Cash Advances made during the first 90 days your account is open. Purchases are not included. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers on the transaction date. Promotional rate balances will remain at 2.9% APR for twelve billing cycles starting from the date of the initial Balance Transfer or Cash Advance request. Beginning with the thirteenth billing cycle, any remaining balance will be repriced to an APR of % for a Business Select card based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate. Cash-back rewards are not earned on Balance Transfers or Cash Advances. Balance Transfers may not be used to pay RBFCU accounts. A fee equivalent to 2% of the amount of each Cash Advance and Balance Transfer will be assessed. This will be charged separately from the amount of your Cash Advance or Balance Transfer request.

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Take your business to new heights.

Enjoy the card that helps you optimize your business and also includes exclusive benefits and promotions.

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Authorized Users

Assign cards to multiple authorized employees and set specific spending limits for each individual. This gives you the ability to maintain an overall credit limit for your business while giving your trusted employees freedom to use the cards on your behalf.

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Simplified Billing

Customize your billing breakdown for simplicity and ease of payment. You can have bills itemized by user so you can easily review what each authorized employee spends.

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Cardholder Promotions

Stay updated on the latest promotions, exclusive offers, contests, sweepstakes, giveaways and more available to RBFCU Mastercard cardholders.

 

 

Redeem your cash-back rewards at any time.

With an RBFCU Business Select Mastercard, you earn unlimited 2% cash-back rewards on every purchase, every time. Plus, you control how you redeem your rewards:

  • Statement credit
  • Pay with points
  • Gift cards
  • Travel
  • Merchandise

For instructions on how to redeem your cash-back rewards, review the following FAQs.

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Get valuable rebates when you use your RBFCU Business Select Mastercard with Mastercard Easy Savings®

Take advantage of automatic rebates5 at more than 50,000 merchants when you use the RBFCU Business Select Mastercard Credit Card. There’s no enrollment fee, no coupons and no codes. Transactions must be processed as a credit to qualify.6

Your savings will be applied to your RBFCU business account each month — automatically. Click here for frequently asked questions about Mastercard Easy Savings.

6Purchases must be processed as a credit transaction. Sign or select “credit” when using your Business Select credit card. If prompted for PIN, select cancel and sign.

 

Use your RBFCU Business Select Mastercard to qualify for these rebates:

Gas pump

Drive and save

Save 1% on fuel at over 19,000 gas stations.

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Dine and save
Hotel

Stay and save

Save 4% at over 5,000 hotels.

Computer

Manage and save

Save 2%-20% on a range of business services. 

Car

Travel and save

Save 5% on car rentals.

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Buy and save

Save on everyday purchases at more than 50,000 participating merchants nationwide.


Enhanced Travel Offers and Experiences

Priceless Experiences logo

Priceless Experiences®

Share in-person experiences with your clients in the world of dining, sports, entertainment and more in over 45 exciting destinations around the world.*

Priceless Golf logo

Priceless Golf®

Enjoy discounted access to golf courses, complimentary grounds passes for PGA Tournaments, access to domestic and international golf travel packages.*

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Credit Cards Calculators

Credit Cards FAQs

  • I have a personal credit card with RBFCU. How is it different from a business credit card?
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    An RBFCU Business Select Mastercard Credit Card provides a 2% flat cashback earning potential without a ceiling or tiered system. This card is designed to support the unique needs of a business by offering features tailored to handle different aspects of a business credit card such as multiple employee cards with designated limits under a master account limit. A different card number is issued to each employee, which will not interrupt the use of the account should an employee lose a card, or if an employee leaves the company and requires termination of the card.

  • I currently have a personal credit card that I use for my business. How do I convert to a business credit card?
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    You may keep your existing credit card for non-business use and/or apply for a business credit card to solely track business expenses. To apply for a business credit card call us at 210-945-3800.

  • How do I add an authorized user to my business credit card?
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    To add authorized RBFCU Business Select credit card users to your account, call our Payment Services Team at 210-637-4571 or chat with a representative through your Online Banking account to begin the process. You’ll need to include the authorized user’s name and the limit you would like them to have. Our Business Solutions Specialists will let you know any additional specific information you will need to provide.

  • How do I create spending limits for authorized business credit card users?
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    To set spending limits for authorized business credit card users, call our Payment Services Team at 210-637-4571 or sign in to your Online Banking account to chat with a representative.

  • Who in my business can cash out business credit card rewards?
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    The person designated as your account administrator may cash out rewards.

  • How do I redeem my cash-back rewards?
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    World Cash Back and Business Select cardholders: You can access your cash-back rewards balance through your Online Banking account or the RBFCU Mobile® app. You may redeem and receive your accrued cash anytime via:

    • Deposit to your RBFCU checking account
    • Statement credit
    • Pay with points
    • Gift cards
    • Travel-related purchases
    • Merchandise

    The maximum redemption amount is $2,500 per card, per day. Any unredeemed cash-back rewards will continue to accumulate.

    Rewards access subject to account status and other criteria at the time of redemption.

  • How do I register for uChoose Rewards?
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    To register for uChoose Rewards® for your World Cash Back or Business Select Mastercard® credit card, follow these instructions:

    Online Banking

    1. Sign into your Online Banking account
    2. Navigate to “Credit Cards”
    3. Select your World Cash Back or Business Select credit card
    4. Select “View Transactions”
    5. Under Statements, select uChoose Rewards or select the top left menu (☰) and find/select “Rewards”
    6. Click to continue to the uChoose Rewards URL

    RBFCU Mobile® app

    1. Sign into the mobile app with your banking credentials
    2. Navigate to “Credit Cards”
    3. Select your World Cash Back or Business Select credit card
    4. Select “View More”
    5. Under Statements, select uChoose Rewards or tap the top left menu (☰) and find/select “Rewards”
    6. Tap to continue to the uChoose Rewards URL
  • How do I redeem my cash-back rewards as a statement credit?
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    1. Sign in to Online Banking
    2. Select your cash-back credit card
    3. Select “Cash Back Rewards” on the Credit Card Activity page to visit uChoose Rewards
    4. Choose “Statement Credit” under “Redeem Your Cash”
    5. Type in the desired statement credit amount (cannot exceed your cash-back balance)
    6. Select “Redeem”
  • How do I redeem my cash-back rewards to pay with points?
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    1. Sign in to Online Banking
    2. Select your cash-back credit card
    3. Select “Cash Back Rewards” on the Credit Card Activity page to visit uChoose Rewards
    4. Choose “Pay with Points” under “Redeem Your Cash”
    5. Select “PayPal Pay with Rewards”
    6. Link your RBFCU cash-back credit card
    7. After your card is linked, you can use your card to check out with PayPal, and use your available rewards on purchases
  • How do I redeem my cash-back rewards to purchase gift cards?
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    1. Sign in to Online Banking
    2. Select your cash-back credit card
    3. Select “Cash Back Rewards” on the Credit Card Activity page to visit uChoose Rewards
    4. Choose “Gift Cards” under “Redeem Your Cash”
    5. Select your desired gift card from the catalog of available merchants
    6. Select the gift card amount (cannot exceed your cash-back balance)
    7. Add to Card and complete purchase
  • How do I redeem my cash-back rewards for travel-related purchases?
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    1. Sign in to Online Banking
    2. Select your cash-back credit card
    3. Select “Cash Back Rewards” on the Credit Card Activity page to visit uChoose Rewards
    4. Choose “Merchandise” under “Redeem Your Cash”
    5. Search and select the desired travel request
    6. Click “Proceed to Checkout” to complete order

    Please note you must have enough cash-back rewards to pay 50% of the total cost of the reward purchase. You will be presented with an alternative payment method to pay the remainder of the purchase once you have satisfied the 50% reward minimum.

  • How do I redeem my cash-back rewards for merchandise?
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    1. Sign in to Online Banking
    2. Select your cash-back credit card
    3. Select “Cash Back Rewards” on the Credit Card Activity page to visit uChoose Rewards
    4. Choose “Merchandise” under “Redeem Your Cash”
    5. Select the desired item(s) from available options and “Add to Cart”
    6. Click “Proceed to Checkout” to complete order

    Please note you must have enough cash-back rewards to pay 50% of the total cost of the reward purchase. You will be presented with an alternative payment method to pay the remainder of the purchase once you have satisfied the 50% reward minimum.

Membership eligibility is required. Credit cards are subject to credit approval. Rates and terms subject to change. The Cash-Back rewards program pays a reward for each qualified purchase completed with your Card. ATM withdrawals, Balance Transfers, Cash Advances, finance charges, fees and any other non-purchase transactions do not qualify for rewards. Cash-back rewards are redeemable online through the uChoose Rewards® program. Cash-back rewards are forfeited if your Card is closed before redemption. We reserve the right to disqualify transactions that are not usual or customary and are apparently structured or intended to abuse the program. Abuse of the program may result in loss of rewards and Card privileges. We may add to, change, or delete any of the terms of this program or discontinue this program at any time at our sole and absolute discretion.

*Exclusive offers available upon Business Select credit card activation.

1. Intuit® Small Business Tools
See offer terms and conditions at intuit.me/quickbooks_mc. Offer available to new customers only. Terms, conditions, pricing, special features, and service and support options subject to change without notice. http://intuit.me/quickbooks_mc

See QuickBooks Online Payroll Discount Offer terms and conditions at intuit.me/quickbooks_mc. Existing QuickBooks customers are not eligible to receive this offer. Terms, conditions, pricing, special features, and service and support options subject to change without notice.

2. Microsoft Advertising
Valid through July 31, 2027. For each new Microsoft Advertising customer, a credit of $300 will automatically be applied to the customer’s Microsoft Advertising account once such customer has spent $150 on Microsoft Advertising using a Mastercard small business credit, debit or prepaid card. The $300 credit will be applied to each participating customer’s Microsoft Advertising account after such customer has spent $150 in accordance with the Offer terms. Additionally, the $300 credit must be redeemed within 90 days of award. Valid in the U.S. for new customers only. A new customer is a customer that has not had an active Microsoft Advertising account before.

3. Zoho Social
Terms and conditions apply. The offer is valid only for Mastercard Small Business cards issued in the United States. The offer is not applicable to existing Zoho customers and applicable only to new customers. The offer is valid only for the first-year subscription and not for subsequent renewals. Price is listed in U.S. dollars. The offer is nontransferable and cannot be exchanged for cash, check, or any form of credit. Mastercard is not responsible for the provision of any Zoho services. No two offers can be combined and no additional discount or offer will be applicable. The offer is for a limited time and subject to change without further notice.

4. Melio
Beginning on August 1, 2025, Melio users who provide their World Mastercard for Business Mastercard® credit card issued in the United States or United States territories ("Eligible Mastercard") as a funding source on the Melio platform will receive in-product fee credits equal to $100 ("Fee Credits") to be used solely towards credit card fees charged by Melio for payments made using an Eligible Mastercard on the Melio platform ("Offer"). To be eligible, users must (i) have never made a card payment on the Melio platform using an Eligible Mastercard, and (ii) be located in the United States, Puerto Rico, or the U.S. Virgin Islands.

The Offer is valid through Dec. 31, 2028, and subject to change or early termination ("Offer Term"). Available Fee Credits will be automatically applied until depleted upon the successful processing of payments made using an Eligible Mastercard, in the order in which such payments are processed. Fee Credits that were not used prior to the Offer Term end date will automatically expire. Use of the Melio platform is subject to and governed by Melio's Terms of Service (available at https://meliopayments.com/terms-of-service). Mastercard and any Eligible Mastercard issuing bank ("Issuer") are not liable for products, services, acts or transactions by Melio or on the Melio platform, and users agree to release and hold them harmless from any related claims. Melio is not responsible, and shall have no liability, for any actions by Mastercard or any Issuer relating to users' Mastercard accounts, cards or cardholder agreements or any other aspect of the relationship between users and Mastercard or Issuers. By participating in the Offer, users agree that Melio and Mastercard may share relevant information solely for purposes of Offer administration, and may use anonymized, aggregated data for business analytics and optimization, in accordance with their respective privacy policies. Melio and Mastercard are not liable for any delay or failure to perform resulting from causes beyond their reasonable control. Users are responsible for any applicable taxes arising from receipt or use of the Fee Credits. The Offer is void where prohibited and subject to applicable laws and regulations. All rights are reserved.

5. Instacart Business
Begins September 1, 2025 and ends January 31, 2027, subject to early termination. Eligible US Mastercard® small business credit cardholders, and US Mastercard® small business debit cardholders who are new Instacart+ subscribers can receive 3 months of free Instacart+. Eligible US Mastercard® small business credit cardholders who are new or existing Instacart+ customers, and all US Mastercard® small business debit cardholders who are new to Instacart+ as of September 1, 2025 can receive $20 off on their second qualifying order of $10 or more, each month. Must have an active Instacart+ membership paid for with an eligible card and complete one qualifying Instacart order each month. Service fees, other fees, taxes and/or tips may apply to deliveries. By redeeming this offer, you agree to the Instacart+ terms and if you select a paid plan, your Instacart+ membership will autorenew and the applicable membership fee will be billed automatically to any payment method on file until you cancel. Additional terms apply, please visit instacart.com/mastercard-business.

6. Mastercard ID Theft Protection™
Certain terms, conditions, and exclusions apply. Cardholders need to register for this service. This service is provided by Generali Global Assistance Inc. Please visit mastercardus.idprotectiononline.com for details, or call 1-800-Mastercard (1-800-627-8372).

7. Mastercard Easy Savings®
Program subject to change without notice. Restrictions apply. Rebates currently available for qualifying eligible purchases made with an RBFCU Business Select credit card. Participating merchants and rebate offers subject to change. You’ll receive Mastercard Easy Savings Program rebates on top of merchant discounts. Click here for Mastercard Easy Savings terms and conditions.

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