World Cash Back Mastercard® Credit Card
The most rewarding credit card in your wallet.
The RBFCU World Cash Back Mastercard earns you unlimited 2% cash back on every purchase, every time and comes with a new world of exclusive savings and enhanced experiences, including:
- No Annual Fee
- No Foreign Transaction Fees
- $0 Fraud Liability on Unauthorized Purchases
- $1 Million in Travel Accident Insurance
Savings on everyday purchases make a world of a difference.
The RBFCU World Cash Back Mastercard gives you everyday value with exclusive offers on ride-sharing, food delivery, online shopping and more so you can make time for what really matters. Plus, earn unlimited 2% cash back on every purchase.
Instacart
New subscriptions to Instacart+ will get a 2-month free trial and $10 off their second order each month.1*
Lyft
Take just 3 rides with Lyft in a month and you’ll earn a $5 credit once per month to put towards your next ride.3*
HealthLock
Receive 100% Complimentary Medical Claim Saver services plus discounts on Medical Claim Auditor and Saver services.4*
ShopRunner
Free ShopRunner membership. Members currently receive free 2-day shipping and free return shipping at 100+ stores.5*
PeacockTV
New subscriptions to Peacock Premium will receive $3 statement credits to their monthly subscription.6*
*Exclusive offers available upon World Cash Back credit card activation.
Get peace of mind with your RBFCU Mastercard.
The RBFCU World Cash Back Mastercard helps protect you and the purchases you make with the following benefits and features:
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.
Explore a world of new experiences.
Enjoy VIP experiences wherever you are with access to unforgettable moments, exclusive benefits and promotions.
Priceless Experiences
Enjoy unforgettable moments with your friends and family. Discover all Mastercard digital Priceless Experiences today.*
Priceless Golf®
Mastercard Golf has special offers and priceless experiences for you to play, attend, travel or learn in the world of golf.*
Cardholder Promotions
Stay updated on the latest promotions, exclusive offers, contests, sweepstakes, giveaways and more available to RBFCU Mastercard cardholders.
*Exclusive offers available upon World Cash Back credit card activation.
Enjoy Mastercard travel and lifestyle services*
With an RBFCU World Cash Back Mastercard, you can always feel like a VIP. Enjoy free nights at partner hotels, hundreds of staycation offers, upgrades on cars and RV rentals, and airport concierge service to name a few.
*Mastercard travel and lifestyle services available upon World Cash Back credit card activation.
With an RBFCU World Cash Back Mastercard, you earn unlimited 2% cash back 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.
Important card documents
- Interest Rates, Interest Charges and Fees for World Cash Back and Premier Rate Mastercard Credit Cards
- World Cash Back Mastercard Pricing Terms and Agreement Billing Rights & Credit Card Disclosure
- Mastercard Guide to Benefits for World Cash Back Mastercard Credit Cardholders
- Travel Assistance Services
- Worldwide Automatic Travel Accident & Baggage Delay
- Common Carrier Trip Cancellation and Trip Interruption
- Rideshare Protection
- Concierge Service
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How are rewards earned?
World Cash Back and Business Select Mastercard credit cards: Earn unlimited cash rewards equivalent to 2% of the amount of each qualified purchase completed. ATM withdrawals, Balance Transfers, Cash Advances, finance charges, fees and any other non-purchase transactions do not qualify for rewards.
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How do I redeem my rewards?
World Cash Back and Business Select cardholders: You can access your rewards balance through your Online Banking account or the RBFCU Mobile® app. You may redeem and receive your accrued cash anytime via:
- Statement credit
- Pay with points
- Gift cards
- Travel-related purchases
- Merchandise
The minimum cash reward redemption amount for a statement credit is $5, and the maximum redemption amount is $2,500 per card, per day. Any unredeemed cash rewards will continue to accumulate.
Rewards access subject to account status and other criteria at the time of redemption.
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Is there a limit on rewards accrual?
There’s no limit to the amount of rewards you can earn from qualified purchase transactions.
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What happens to my cash back rewards if I close my account?
In the event that your card is lost or stolen, we’ll transfer your cash back rewards balance to your new card account. If the card closes for other reasons, you may forfeit any accrued cash back rewards or points.
We reserve the right to disqualify transactions that aren’t usual or customary and are structured or intended to abuse the program. Abuse of the program may result in forfeiture of accrued rewards and loss of 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.
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When will I begin earning 2% cash back?
New cardholders will begin earning 2% unlimited cash back on purchases once the World Cash Back Mastercard is activated.
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How do I redeem my cash-back rewards as a statement credit?
- Sign in to Online Banking
- Select your cash-back credit card
- Click View Transactions, then select uChoose Rewards
- Choose Statement Credit under Redeem Your Cash
- Type in the desired statement credit amount (minimum $5, cannot exceed your cash-back balance)
- Select Redeem
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How do I redeem my cash-back rewards to pay with points?
- Sign in to Online Banking
- Select your cash-back credit card
- Click View Transactions, then select uChoose Rewards
- Choose Pay with Points under Redeem Your Cash
- Select PayPal Pay with Rewards
- Link your RBFCU cash-back credit card
- After your card is linked, you can use your card to check out with PayPal, and use your available rewards on purchases
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How do I redeem my cash-back rewards to purchase gift cards?
- Sign in to Online Banking
- Select your cash-back credit card
- Click View Transactions, then select uChoose Rewards
- Choose Gift Cards under Redeem Your Cash
- Select your desired gift card from the catalog of available merchants
- Select the gift card amount (minimum $5, cannot exceed your cash-back balance)
- Add to Card and complete purchase
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How do I redeem my cash-back rewards for travel-related purchases?
- Sign in to Online Banking
- Select your cash-back credit card
- Click View Transactions, then select uChoose Rewards
- Choose Merchandise under Redeem Your Cash
- Search and select the desired travel request
- Click Proceed to Checkout to complete order
Please note you must have enough cash back 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.
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How do I redeem my cash-back rewards for merchandise?
- Sign in to Online Banking
- Select your cash-back credit card
- Click View Transactions, then select uChoose Rewards
- Choose Merchandise under Redeem Your Cash
- Select the desired item(s) from available options and Add to Cart
- Click Proceed to Checkout to complete order
Please note you must have enough cash back 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 required. Credit cards are subject to credit approval. Program availability, rates and terms are subject to change. Certain benefits of the RBFCU World Cash Back Mastercard credit card will be unavailable to cardholders until the World Cash Back credit card has been activated. 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 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. Contact the Consumer Lending Center for complete details.
1. Instacart
Offer expires 03/31/2025. Eligible US World and World Elite Mastercard® cardholders, new to Instacart+, can receive 2 months of Instacart+ and $10 off on their second qualifying order of $10 or more, each month. Additional terms apply. For full terms and conditions please visit www.instacart.com/p/mastercard-offer
2. ResortPass
Ends 9/30/25, subject to early termination. Make a booking or purchase a gift card of $200 or more on ResortPass using your eligible RBFCU World Cash Back Mastercard and receive a $20 statement credit. Cannot be combined with other discounts. Statement credits may take up to 60 days to appear on your statement. Additional eligibility restrictions, exclusions, and terms apply. For full terms, see resortpass.com/Mastercard.
3. Lyft
Take 3, Get $5: Beginning 4/1/24 and running through 9/30/25, Lyft users can participate in Lyft and Mastercard’s Take 3, Get $5 program (“Program”) by taking and partially or fully paying for three (3) Eligible Rides
in a calendar month to receive a $5 Lyft credit (“Credit”). The rides must be paid for with an eligible World or World Elite Mastercard credit card (Apple Card is not eligible for this program, but Apple Pay or Google Pay may be eligible
if your World or World Elite Mastercard credit card is the funding source). Limit one Credit per calendar month per Lyft account. An “Eligible Ride” is any Lyft ride type, excluding business rides and bicycle and scooter rental rides.
Valid only in the USA. Whether a ride qualifies as an Eligible Ride for purposes of the Credit will be determined in Lyft’s sole discretion. Credits expire 30 days after application. Limited time only and while supplies last. By participating
in the Program, you agree to these terms and Lyft’s Terms of Service www.lyft.com/terms, and you agree that Lyft and Mastercard may share your information for the purposes of tracking
and processing the Credit and may use anonymized, aggregated data for business analytics and offer optimization. Credits may take up to 2 days to be applied to your Lyft account.
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.
5. ShopRunner
Valid through 9/30/25. To get the free ShopRunner membership offer, compliments of Mastercard, please go to www.shoprunner.com/mastercard and verify your eligibility
for the offer with a World Mastercard or World Elite Mastercard account number and then complete the sign-up for a ShopRunner membership account. For details on how the ShopRunner membership works, please see the ShopRunner Terms and Conditions
at www.shoprunner.com/terms/sr, which govern the use of your ShopRunner membership offer.
6. Peacock
Ends 3/31/25, subject to early termination. Must use qualifying Mastercard World or World Elite credit card and subscribe to a full-priced Peacock Premium plan directly from Peacock to receive a $3.00 monthly statement credit. Statement credit ends when user no longer meets eligibility
requirements. Excludes current Peacock Premium and Premium Plus subscribers. Additional eligibility restrictions, exclusions, and terms apply. For full terms, see https://www.peacocktv.com/offer-terms/mastercard.
7. 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 an eligible 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.
8. 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.
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