Mastercard® Credit Cards
Multiple options. Multiple benefits. Choose the perfect card for you.
Whether you want to pay off high-interest credit cards or are looking for a rewarding card for you or your business, there’s an RBFCU Mastercard that’s right for you.
RBFCU WORLD CASH BACK
CREDIT CARD
Ideal for members that love unlimited 2% cash-back rewards on every purchase.
• No Annual Fee
• No Foreign Transaction Fees
• $0 Fraud Liability on Unauthorized Purchases
• $1 Million in Travel Accident Insurance
RBFCU PREMIER RATE
CREDIT CARD
Ideal for rate shoppers that make large purchases and may carry a balance.
• No Annual Fee
• Receive a great low rate
• No Foreign Transaction Fees
• $0 Fraud Liability on Unauthorized Purchases
• $1 Million in Travel Accident Insurance
RBFCU BUSINESS SELECT
CREDIT CARD
Ideal for businesses that love unlimited 2% cash-back rewards on every purchase.
• No Annual Fee
• No Foreign Transaction Fees
• $1 Million in Travel Accident Insurance
We make using your RBFCU Mastercard easier, including:
Introductory rate is for new cardholders only. 2.9% Introductory APR on all purchases made during the first 90 days of card opening. Introductory APR does not apply to Balance Transfers or Cash Advances. Promotional balances will remain at 2.9% APR for 12 billing cycles starting from the date of Initial Purchase. Beginning with the 13th billing cycle, any remaining balance will be repriced to an APR of % for the World Cash Back credit card based on your creditworthiness and other factors. These APRs will vary with the market based on the U.S. Prime Rate.
2.9% Introductory APR for 18 billing cycles on Balance Transfers and Cash Advances (A fee of 2% of the amount of each Balance Transfer and each Cash Advance will apply.) made during the first 90 days of card opening. Purchases are not included. Promotional balances will remain at 2.9% APR for 18 billing cycles starting from the date of Initial Transfer. Beginning with the 19th billing cycle, any remaining balance will be repriced to an APR of % to % for the Premier Rate credit card based on your creditworthiness and other factors. These APRs will vary with the market based on the U.S. Prime Rate.
An RBFCU credit card comes with convenience, exclusive benefits and promotions.
Authorized Users
Adding an authorized user to your RBFCU credit card can be a simple and effective way to help establish someone’s credit. There’s no credit check and the primary cardholder’s positive payment history helps build the authorized user’s credit.
Mobile and Contactless Payments
Breeze through checkout lines and have peace of mind knowing you have additional security with the use of tokenization to mask your actual card number.
Cardholder Promotions
Stay updated on the latest promotions, exclusive offers, contests, sweepstakes, giveaways and more available to RBFCU Mastercard cardholders.
Explore video resources to help manage your RBFCU Mastercard credit card.
RBFCU Secured Mastercard
Build or rebuild your credit.
The difference between a traditional credit card and secured credit card is that you must first make a deposit of your own money to “secure” your credit line. You will have a set credit limit that you can make purchases with — just like a traditional credit card. Why use a secured card instead of just using cash? When you use the secured card, your payments will be reported to the credit bureaus and help you build a dependable credit history.
Building credit is an important way to secure your financial future. If you’re trying to establish, build or rebuild your credit, we can help with an RBFCU Secured World Cash Back or Secured Premier Rate card.
After positive payment history, RBFCU can work with you to release the funds you used to secure your card and your secured card may transition to a traditional, unsecured credit card.
Managing credit cards can be a challenge
Let Coach Lea show you how!
Lea, the Virtual Financial Coach from GreenPath Financial Wellness, is ready to help you improve your credit score, move forward after a credit decline, pay down debt and build healthy financial habits. A secure experience offering personalized financial advice 24/7 on any smart phone or computer, Coach Lea helps you set financial goals and identify actions to reach them.
And if you think you may want to dig in deeper, the financial experts at GreenPath are a call away. GreenPath is a trusted non-profit that has been helping people lead financially healthy lives for more than 60 years.
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How can I request a Balance Transfer on my credit card?
You request a Balance Transfer through “Manage Cards” in your Online Banking account, the RBFCU Mobile app or by calling 210-945-3300.
Click here to learn more about Cash Advances and Balance Transfers.
Membership eligibility required. Credit cards are subject to credit approval. Rates and terms subject to change.
Cash-back rewards are 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 rewards are redeemable online, and payment of the reward may be made as a statement credit. Cash-back 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.
Authorized users will have the same charging privileges as the primary cardholder but will not be financially responsible. The primary cardholder will be responsible for all transactions made by that person to the fullest extent permitted by law, including transactions for which you may not have intended to be liable, even if the amount of those transactions causes your credit limit to be exceeded. By adding a user, you authorize the person to use your account to the same extent you can, including but not limited to making purchases, requesting Balance Transfers and initiating Cash Advances. RBFCU provides account information to the credit reporting agencies for all account users. This information could impact an authorized user’s credit score. When you add a user to your account, you’re confirming that you have a relationship with the person or people whose name(s) and address(es) you’ve provided us, that all their information is correct, and that you have their consent to add them. You or the authorized user may terminate the authorized user’s authority at any time by contacting RBFCU Payment Services at 210-945-3300, ext. 74571.
Certain terms, conditions and exclusions apply. To learn more about Zero Liability, visit mastercard.com/zeroliability. Contact RBFCU for complete coverage terms and conditions or call 1-800-Mastercard (1-800-627-8372) for assistance. Applicable to U.S. cardholders only.
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