Want to Earn Cash Back on Your RBFCU Credit Card Purchases?

Here’s How!

Get 2% cash back on every purchase, every time when you switch to our CashBack Rewards Mastercard® credit card. Already have our CashBack Rewards Mastercard? Then you’re already earning while you spend!


Which RBFCU Mastercard credit card is right for me?


Premier Rate
Lowest rate possible

CashBack Rewards
2% cash back on all purchases

Annual Fee$0$0
Balance Transfer Fee$0$0
Cash Advance FeeUp to 2% of the amount of each cash advanceUp to 2% of the amount of each cash advance
Foreign Transaction Fee$0$0
Late ChargeUp to $25Up to $25
Over the Credit Limit FeeNoneNone
Returned Payment FeeUp to $24Up to $24
Travel Accident Insurance$1 million$1 million
24/7 Fraud MonitoringYesYes
$0 Fraud LiabilityYesYes
International AcceptanceYesYes
25-day Grace Period on Retail PurchasesYesYes
24/7 Online Account AccessYesYes

1. Sign in to your Online Banking account at rbfcu.org or through the RBFCU Mobile app.

2. Click on your Mastercard credit card that you want to convert.

3. In the drop-down menu next to the “Amount Due” column, select “Convert Card.”

4. Follow the few steps to converting your card.

a. IMPORTANT: A credit report will not be pulled unless you are requesting to increase your credit limit or adding joint owner(s) on your card.

5. You should receive your new card within five business days. The PIN will arrive in a separate, unmarked perforated envelope.

You don’t have to wait to start earning 2% cash back! You can continue to use your card until your new card arrives; any NEW purchases will be automatically transferred to the new card and will qualify for the 2% cash back rewards.

If you do not see the option when you sign in to your Online Banking account, please contact our Member Service Center at 1-800-580-3300 to check your eligibility.

Credit Card Conversion FAQs

Membership eligibility is required. Credit cards are subject to credit approval. Rates and terms 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 Premier Rate credit card or % to % for a CashBack Rewards card based on your creditworthiness and other factors. Contact the Consumer Lending Center for complete details.

Balance transfers and cash advances may not exceed your available credit limit. You should continue to make all required payments on your other accounts until you confirm that the balance transfer has been made. Cash back rewards or points are not earned on balance transfers or cash advances. There is no grace period for balance transfers; interest will begin to accrue on the date the balance transfer is processed by RBFCU. There is no grace period for cash advances; interest will begin to accrue on the day you obtain the cash advance. If you accept this offer and do not pay off your entire balance each statement period (including the amount of the balance transfer or cash advance), you will not be eligible for the grace period for new purchases. The balance transfer or cash advance will be at the APR that was disclosed to you when you opened your account.