Business Credit Card
Business Select Mastercard benefits and features, including 2% cash back
As a business owner, wouldn't it be nice to turn everyday business expenses into rewards?
Now you can with the RBFCU Business Select Mastercard® credit card. It provides owners the ability to allocate purchasing power to their authorized users, and set specific limits for each card. At the same time, it provides the security you expect from an RBFCU Mastercard.
Billing breakdowns
Customize your bills and maintain one bill for simplicity’s sake. You can have them itemized by user so you can easily review what each authorized user spends on a monthly basis.
Card convenience
Assign cards to multiple authorized users 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 authorized users freedom to use the cards on your behalf.
Cash back
Earn rewards on each purchase made by you and your authorized users. Receive a simple 2% cash back on all purchases made with your cards.
Other Business Select Mastercard benefits and features include:
- No Annual Fee
- Additional cards with personalized spending limits at no cost
- 0% introductory APRs on balance transfers and cash advances*
- $0 Balance Transfer Fee
- $0 fraud liability
- 24/7 fraud monitoring and alerts
- $1 million travel accident insurance
The 0% 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, but not on the balance transfers and/or cash advances made during the first 90 days of the account opening. Promotional rate balances will remain at 0% 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 Business Select credit card based on your creditworthiness and other factors. Cash back rewards are not earned on Balance Transfers or Cash Advances. There is no fee for Balance Transfers. Balance Transfers may not be used to pay RBFCU accounts. A fee equivalent to 2% of the amount of each Cash Advance will be assessed. This will be charged separately from the amount of your Cash Advance request.
Credit Cards Calculators
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How long will it take to pay off my credit card balance?
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How do my interest rate and payments affect my credit card balance?
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Should I consolidate my credit cards?
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What is my business worth today?
Credit Cards FAQs
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I have a personal credit card with RBFCU. How is it different from a business credit card?
An RBFCU Business 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.
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I currently have a personal credit card that I use for my business. How do I convert to a business credit card?
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, sign in to your online banking account.
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How do I add an authorized user to my business credit card?
To add authorized RBFCU Business Select credit card users to your account, call our Payment Services Team at 210-945-3300, ext. 74571 or send us a secure message 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.
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How do I create spending limits for authorized business credit card users?
To set spending limits for authorized business credit card users, call our Payment Services team at 210-945-3300, ext. 74571 or send us a secure message via your online banking account.
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Who in my business can cash out business credit card rewards?The person designated as your account administrator may cash out rewards.
Membership eligibility is required. Credit cards are subject to credit approval. Rates and terms subject to change. The RBFCU Business Select Mastercard with CashBack Rewards is calculated each year over a 12-month period beginning October 1 of each year, and is paid on qualified net retail purchases. Cash advances and convenience checks do not qualify. Cardholders may be disqualified from receiving cash back if their credit card account is listed as bankrupt, closed, fraudulent, derogatory or delinquent during the month cash back is paid. If disqualified for any of these reasons, the cardholder will not receive any accrued cash back for that program year. Monthly Mastercard statements will show the amount of accumulated cash back. Credits to an account issued by a merchant will result in reduction of cash back accrued. In the event a card is lost or stolen, the cash back accrued on the old account may be transferred to the new account. RBFCU reserves the right to make appropriate adjustments to cash back credit in respect to account activity. Cardholders are responsible for notifying RBFCU if cash back is not received within a reasonable amount of time. Cash back is an enhancement to the RBFCU Business Select Mastercard with CashBack Rewards and may be discontinued at any time. The cash back terms and conditions are subject to change. The 0% 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, but not on the balance transfers and/or cash advances made during the first 90 days of the account opening. Promotional rate balances will remain at 0% 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 Business Select Mastercard based on your creditworthiness and other factors. There is no fee for Balance Transfers. A Cash Advance fee of up to 2% of the amount of each Cash Advance is charged. Contact our Business Solutions Department at 1-800-580-3300, ext. 53800 for complete details.
Federally Insured by NCUA.