Premier Rate Mastercard® Credit Card
Enjoy a lower rate on all of your purchases.
The RBFCU Premier Rate Mastercard gives you the flexibility you need to pay off credit card balances quickly. With a great, low rate, you can make large purchases without the higher interest other credit cards charge. The Premier Rate Mastercard includes:
- No Annual Fee
- No Foreign Transaction Fees
- $0 Fraud Liability on Unauthorized Purchases
- $1 Million in Travel Accident Insurance
Get peace of mind with your RBFCU Mastercard.
The RBFCU Premier Rate Mastercard helps protect you and the purchases you make with the following benefits and features:
Mastercard Zero Liability Protection
You’re not responsible in the event someone makes unauthorized purchases with your card.1
24/7 Fraud Monitoring
24/7 fraud monitoring and alerts via email, phone and text if we notice suspicious activity on your account.
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, including Balance Transfers and Cash Advances, by the due date each month. If the ENTIRE balance is not paid, then interest will be charged on any purchases, and the promotional interest will be charged on the Balance Transfers and/or Cash Advances made during the first 90 days of the account opening. Promotional rate balances will remain at 2.9% APR for twelve months starting from the date of the initial Balance Transfer or Cash Advance request. Beginning with the thirteenth month, any remaining balance will be repriced to an APR of % to % for a Premier Rate credit card, % for a World Cash Back credit card, or % for a Business Select credit card based on your creditworthiness and other factors. These APRs 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.
HealthLock
Enjoy a HealthLock for Mastercard® Medical Claim Monitor Complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.4*
*Exclusive offers available upon Premier Rate credit card activation.
Mastercard Cardholder Promotions
Stay updated on the latest promotions, exclusive offers, contests, sweepstakes, giveaways and more available to RBFCU Mastercard cardholders.
Important card documents
- Interest Rates, Interest Charges and Fees for World Cash Back and Premier Rate Mastercard Credit Cards
- Platinum Premier Rate Mastercard Pricing Terms and Agreement Billing Rights & Credit Card Disclosure
- Guide to Benefits for Premier Rate Mastercard Cardholders: Worldwide Automatic Travel Accident & Baggage Delay
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Do I need to select/create a PIN for my RBFCU Mastercard credit card?
Your RBFCU Mastercard credit card does not require a PIN to activate. The security features of the card are enhanced without setting a PIN.
However, a PIN will be needed if:
- A merchant/retailer prompts you to enter a PIN to complete a purchase
- You use your credit card at an ATM
If you wish to create or change a PIN for your credit card, you can do so by signing in to your Online Banking account or the RBFCU Mobile app, or by phone.
To select a PIN using Manage Cards in the RBFCU Mobile app:
- Sign in to the app
- Tap “Manage Cards” in the bottom navigation
- Select the credit card for which you’d like to select a PIN
- Choose “Select PIN”
- Enter and confirm your new PIN
- Select “Submit”
To select a PIN using Manage Cards in your Online Banking account:
- Sign in at rbfcu.org
- Select “Manage Cards” from the menu
- Select the credit card for which you’d like to select a PIN
- Choose “Select PIN”
- Enter and confirm your new PIN
- Select “Submit”
To select a PIN by phone, use the applicable number listed below and when prompted say, “Select PIN.”
- World Cash Back Card: 1-888-999-4355
- Premier Rate and Business Select Card: 1-888-999-4336
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How can I request a credit line increase?
To increase your credit card limit, you will need to submit a new credit application. You can complete the application through your Online Banking account. Just click on the three vertical dots next to the credit card you wish to increase and select “Change Limit / Rate.”
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I lost my card. What do I do?
You can report your lost or stolen card by contacting us in one of the following ways:
- Phone: 210-945-3300
- Email: memberservices@rbfcu.org
- Online:
- Visit “Manage Cards,” after signing in to your Online Banking account.
- Select your card.
- Choose “Report a Lost or Stolen Card” and follow the prompts.
- RBFCU Mobile app:
- Sign in to your Online Banking account.
- Tap “Manage Cards” in the bottom menu.
- Select your card.
- Choose “Report Lost or Stolen” and follow the prompts.
You can also “Freeze” your card to ensure no transactions are made while you search for the card, or “Replace” your card. If your card is connected to any mobile payment services, be sure to remove the card as a payment option.
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How do I change my credit card PIN?
If you wish to create or change a PIN, use the applicable number listed below and when prompted say, “Select PIN.”
- World Cash Back Card: 1-888-999-4355
- Premier Rate and Business Select Card: 1-888-999-4336
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How can I request a Balance Transfer on my credit card?
You request a Balance Transfer through “Manage Cards” in your Online Banking account, the RBFCU Mobile app or by calling 210-945-3300.
Click here to learn more about Cash Advances and Balance Transfers.
Membership eligibility required. Credit cards are subject to credit approval. Contact the Consumer Lending Center for complete details.
1. These are summary descriptions only. Certain terms, conditions and exclusions apply. To learn more about Zero Liability, visit mastercard.com/zeroliability. Contact RBFCU for complete coverage terms and conditions or call 1-800-Mastercard (1-800-627-8372) for assistance. Applicable to U.S. cardholders only.
2. MoviePass
Offer valid until 9/30/2025, subject to early termination. Customers who purchase a new MoviePass Standard Subscription Plan or a new MoviePass Premium Subscription Plan at moviepass.com/mastercard using an eligible Premier Rate Mastercard credit card will receive a 50% discount on the first two months of the applicable monthly subscription price. For full terms and conditions visit www.moviepass.com/mastercard.
3. Booking.com
Valid until 9/30/2025. Bookings must be prepaid and made through booking.com/mastercardUS to be eligible for this offer. To redeem, visit booking.com/mastercardUS, choose a property marked with a "Save when you pay now with your eligible Mastercard" tag, and then select "Pay Now" using your eligible Premier Rate Mastercard credit card at checkout. The discount will be applied automatically at the time of prepayment and will vary based on the property and dates selected. Additional eligibility restrictions, exclusions, and terms apply. See full terms and conditions.
4. HealthLock
HealthLock is an end to end analytics driven platform that helps protect cardholders’ medical identities and data and monitors their medical claims for errors, fraud and overbilling. HealthLock provides three plan levels:
- Medical Claim Monitor: Helps guard against medical fraud and privacy intrusions by monitoring medical data breaches, providing alerts and helping remediate medical fraud issues.
- Medical Claim Auditor: Organizes, tracks and audits all healthcare bills (24 month retroactive audit and ongoing auditing) in one place, verifying that all bills are accurate and identifying potential overcharges and insurance errors. This level includes everything from the previous plan.
- Medical Claim Saver: Provides access to medical bill negotiation with providers and insurance companies to potentially help reduce bills and reverse claim rejections. This level includes everything from the previous plan.
Enrolled users receive, at no cost, Medical Claim Monitor, plus a premium upgrade to Medical Claim Saver for the first 90 days. After 90 days, users will continue to receive Medical Claim Monitor at no monthly cost and have the option to continue with Medical Claim Auditor for $4.99 per month or Medical Claim Saver for $19.99 per month. See full terms here.
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