America 250: 2.5% Cash-Back Rewards

This is a limited-time promotion. The effective dates for the America 250: 2.5% Cash-Back Rewards are 12:00 a.m. Central Daylight Time (CDT), Wednesday, July 1 through 11:59 p.m. Central Daylight Time (CDT), Friday, July 31, 2026.

No. The Premier Rate Mastercard is not eligible.

No. There is no additional fee for the RBFCU World Cash Back Mastercard or RBFCU Business Select at any time, including during the promotion.

Every time you make a qualifying purchase with your RBFCU World Cash Back Mastercard or RBFCU Business Select Mastercard during the promotion, 2.5% of the purchase will be credited to your World Cash Back or Business Select rewards balance and can be accessed through uChoose Rewards^®.

NOTE: The credit will be shown separately in uChoose Rewards as 2% and 0.5%. We reserve the right to disqualify transactions that are not usual or customary and appear to be structured or intended to abuse the program.

Yes. Purchases made online with your World Cash Back Mastercard or Business Select Mastercard during the promotion qualify for 2.5% cash-back rewards. Your in-store purchases also qualify for 2.5% cash-back rewards.

Yes. A tap payment at a retailer and mobile wallet payments qualify for 2.5% cash-back rewards.

No. Balance Transfers and Cash Advances do not qualify for 2.5% cash-back rewards. Purchases made online or in-person with your World Cash Back or Business Select card qualify. However, finance charges, fees and any other non-purchase transactions do not qualify for rewards.

You can access your cash-back rewards balance through your Online Banking account at rbfcu.org or the RBFCU Mobile® app. In Online Banking, cardholders can go to uChoose Rewards to see credits to their World Cash Back or Business Select rewards balance. Cash-back rewards may appear as pending until your payment is processed and may not be available for redemption until after that time. Rewards are typically updated by the 1st of the following month.

Yes. Because the 2.5% cash-back rewards do not expire, you can use them during or after the promotion ends. You can combine them with rewards you have accumulated before the promotion.

(NOTE: Cash rewards are forfeited if your World Cash Back or Business Select card is closed before redemption.)

If you return or receive a refund for a transaction that earned 2.5% cash-back rewards, the corresponding reward amount will be reversed. The reversal will reflect in your account based on the original reward structure.

Members who earn cash-back rewards but subsequently become ineligible as of the payout dates will not receive the distribution and will not be notified.

Use of the World Cash Back or Business Select card by a Joint Account and Authorized user will count toward the accumulation of 2.5% cash-back rewards. The cash-back rewards are deposited into the main account holder's rewards balance. Only the account owner will have access to redeem rewards.

No. All the benefits and features that you currently enjoy with the World Cash Back or Business Select card remain unchanged during the promotion.

Frequently asked questions can be found on our website at www.rbfcu.org/learn/faqs/loans-faqs#credit-cards

You can access your 2.5% cash-back rewards when you sign in to your Online Banking account at rbfcu.org or the RBFCU Mobile^® app. In Online Banking, cardholders can go to uChoose Rewards to see and redeem credits to their World Cash Back or Business Select rewards balance. You control how you redeem your rewards, including:

• Deposit to your RBFCU checking account
• Statement credit
• Pay with points
• Gift cards
• Travel
• Merchandise

You can activate your RBFCU Mastercard Credit Card either by phone or online.

• Phone
  1. Call* the Interactive Voice Response (IVR) system at 1-888-999-4355 or 531-233-6762
     *Call from a phone number that is on file with RBFCU
  2. Follow the prompts
• Online
  1. Sign in to your Online Banking account at rbfcu.org or the RBFCU Mobile^® app
  2. From the Your Summary screen, choose Manage Cards
  3. From Your Summary/Manage Cards screen, choose the image of your RBFCU Mastercard Credit Card
  4. Choose the Activate Card radio button
  5. Choose Submit

During the 2.5% cash-back rewards promotion, the RBFCU World Cash Back Mastercard and RBFCU Business Select Mastercard will add an extra half percentage point (0.5%) on top of the existing 2%* cash-back rewards. This means World Cash Back and Business Select cardholders will receive an additional 0.5% in cash-back rewards during the promotional period beginning at 12 a.m., July 1 and ending at 11:59 p.m., July 31, 2026 Central Daylight Time (CDT).

*Standard cash-back rate of 2% resumes Aug. 1, 2026.

For more details on the America 250: 2.5% Cash-Back Rewards, call Payment Services at 210-945-3300

Also, at any time during the promotion starting July 1, members can go to rbfcu.org/250 for additional information.

1. Sign in to your Online Banking account
2. Select your cash-back credit card
3. Select “Cash Back Rewards” on the Credit Card Activity page to visit uChoose Rewards
4. Choose “Deposit – Alternate Account” under “Redeem Your Cash”
   *Members can only deposit rewards to their RBFCU checking account with an RBFCU debit card
5. From the Card Number field, enter the appropriate 16-digit Card Number for the deposit
6. Confirm the Card Number again
7. Select “Redeem”