Get Paid for Your Credit Card Purchases
Not all credit card reward programs are created equal. Perks for things like airfare, hotel stays and more can be difficult to redeem and often expire whether you use them or not.
With an RBFCU World Cash Back Mastercard® credit card, you earn unlimited 2% cash back on every purchase, every time and your cash rewards NEVER expire. Plus, you control when you want to redeem your rewards:
- Apply cash as a statement credit
You’ll also get a great low rate. Click here to learn more and apply.
If you’re already a cash back rewards cardholder, click here to learn more about your earning and redemption options.
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Which RBFCU Mastercard credit cards offer rewards programs?
The RBFCU World Cash Back and Business Select Mastercard credit cards. Both cards offer 2% cash back on qualified purchases. Please refer to the respective credit card Agreement Billing Rights & Credit Card Disclosures for full rewards program details.
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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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Are there any exclusions to qualifying transactions?
ATM withdrawals, Balance Transfers, Cash Advances, finance charges, fees and any other non-purchase transactions do not qualify toward reward accrual.
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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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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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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.
Information in this article is general in nature and for your consideration, not as financial advice. Please contact your own financial professionals regarding your specific needs before taking any action based upon this information.
Membership eligibility required. Credit cards are subject to credit approval. Rates and terms subject to change.
Cash back is an enhancement to the RBFCU World Cash Back and Business Select Mastercard credit cards and may be discontinued at any time. Program availability, rates and terms are 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. The cash back is redeemable online, and payment of the reward may be made as a statement credit. 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.
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