Mastercard® 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 valuable rewards, there's an RBFCU Mastercard that's right for you.

RBFCU Platinum Class CashBack Rewards Mastercard credit card

2% CashBack Rewards

Earn unlimited cash back on all purchases

Ideal for:
Maximizing rewards accrual and flexible redemption options combined with a great rate.

RBFCU Platinum Class Premier Rate Mastercard credit card

Premier Rate

Receive a great low rate — as low as

% APR

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

CashBack Rewards
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Premier Rate
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Credit Cards Calculators

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

  • I lost my card. What do I do?
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    You can report your lost or stolen card by contacting us in one of the following ways:

    • Phone: 210-945-3300
    • Email: memberservices@rbfcu.org
    • Online:
      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?
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    You can request a PIN confirmation from the Manage Cards option on your Online Banking account, or you can contact us at 210-945-3300.

  • Do I need my PIN to use my credit card?
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    RBFCU cards are PIN-preferred and typically require a PIN to be used.

  • How do I change my credit card PIN?
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    Over the phone by calling 1-866-297-3413. There may be situations when you are unable to set your PIN through the automated system. In this instance, please visit an RBFCU ATM to manually set your PIN.

  • How can I request a Balance Transfer on my credit card?
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Membership eligibility required. Credit cards are subject to credit approval. Program availability, rates and terms are subject to change. Any unredeemed rewards, as of the end of the annual earnings cycle (Oct. 1-Sept. 30), are paid out to the member’s select deposit account. Rewards access subject to account status and other criteria at time of redemption. 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. 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 the Consumer Lending Center for complete details.

Ask RBFCU