Credit Cards

Credit card choices to fit your lifestyle

Whether you want to pay off other high-interest credit cards, need flexibility for purchases, or are just looking for a valuable credit card, an RBFCU Mastercard® will keep interest payments low and make purchases easy and rewarding!

MasterCard credit card

CashBack Rewards

Earn unlimited


2% cash back
on all purchases

Ideal for:
Earning rewards you can cash out and use whenever you need them, while enjoying rates as low as % APR.


MasterCard credit card

Premier Rate

Receive a great low rate — as low as


Ideal for:
Paying off credit card balances quickly, while making purchases without accruing high interest charges.


CashBack Rewards
Premier Rate

Credit Cards Calculators

  • How much cash back will I earn with the 2% CashBack Rewards card?
  • Which is better for me: A cash-back credit card or a low-rate credit card?
  • How will rate changes affect my credit card balance?
  • How long will it take to pay off my credit card balance?
  • Should I consolidate my credit cards?

Credit Cards FAQs

  • 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
    1. Sign in to your Online Banking account.
    2. Under the “View Services” tab, under “Manage Cards,” select “Report Lost Cards.”
    3. Select the card that you want to report lost, then click “Next.”
    4. Select the appropriate option (e.g., "Report a Lost or Stolen Card," "Freeze Card," or "Replace Card").
    5. Verify the information for accuracy, and click “Submit.”
    6. If your card is connected to Samsung Pay or Apple Pay, remove the card from the devices.

  • How can I request a Personal Identification Number (PIN) for my Mastercard® credit card?

    You can request a PIN confirmation from the Manage Cards option on your online account, or you can contact us at 210-945-3300.

  • Do I need my PIN to use my credit card?

    RBFCU cards are PIN preferred and typically require a PIN to be used.

  • How can I change my credit card PIN?

    You may change your PIN by calling the IVR system at 1-866-297-3413 or by visiting any RBFCU ATM. You will be asked to type in your current PIN number. You will not be able to change the PIN at ATMs located at Murphy gas stations.

    Important: You must know your current credit card PIN to be able to change it. If you did not receive your PIN, you may request a confirmation through the manage cards link on your online account or you can contact RBFCU at 210-945-3300.

    If you and the joint owner, or authorized user, on the Mastercard elect to have the same PIN, you will not be able to select the PIN through the IVR system, however, you may visit an RBFCU ATM to select a new PIN.

  • How do I request a balance transfer?

    To request a balance transfer:

    1. Sign in to your Online Banking account.
    2. Under the “View Accounts” tab, click on the three vertical dots next to the desired credit card under the “Credit Cards” section.
    3. From the “I Want To…” menu, select “Balance Transfer.”
    5. On the Balance Transfer Request Form, complete the required information.
    6. Click “Next.”
    7. Review the information for accuracy.
    8. Click “Submit.” Your information will be submitted to our Payment Services Department for processing.

    *Balance transfers can take up to 30 days to process.

    Phone:  You can also call our Payment Services Department at 210-945-3300, ext. 74571.

    In-Person: Visit any branch to request an in-person balance transfer.

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.