Premier Rate Mastercard® Credit Card
Enjoy a lower rate on all of your purchases.
The RBFCU Premier Rate Mastercard gives you the flexibility you need to pay off credit card balances quickly. With a great, low rate, you can make large purchases without the higher interest other credit cards charge. The Premier Rate Mastercard includes:
- No Annual Fee
- No Foreign Transaction Fee
- $0 Fraud Liability on Unauthorized Purchases
- $1 Million in Travel Accident Insurance
Get peace of mind with your RBFCU Mastercard.
The RBFCU Premier Rate Mastercard helps protect you and the purchases you make with the following benefits and features:
Mastercard Zero Liability Protection
You’re not responsible in the event someone makes unauthorized purchases with your card.⁶
24/7 Fraud Monitoring
24/7 fraud monitoring and alerts via email, phone and text if we notice suspicious activity on your account.
Contactless and Mobile Wallet Payments
Adds additional security with the use of tokenization to mask your actual card number.
Introductory APR Offer
Membership eligibility required. Credit cards are subject to credit approval. Program availability, rates and terms are subject to change. The 2.9% 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. Promotional rate balances will remain at 2.9% 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, % for a World Cash Back credit card, or % for a Business Select credit card based on your creditworthiness and other factors. Cash back rewards are not earned on Balance Transfers or Cash Advances. A fee equivalent to 2% of the amount of each Balance Transfer will be assessed. Balance Transfers may not be used to pay RBFCU accounts. A fee equivalent to 2% of the amount of each Cash Advance and Balance Transfer will be assessed. This will be charged separately from the amount of your Cash Advance or Balance Transfer request.
Mastercard Cardholder Promotions
Stay updated on the latest promotions, exclusive offers, contests, sweepstakes, giveaways and more available to RBFCU Mastercard cardholders.
Important card documents
- Interest Rates, Interest Charges and Fees for World Cash Back and Premier Rate Mastercard Credit Cards
- Platinum Premier Rate Mastercard Pricing Terms and Agreement Billing Rights & Credit Card Disclosure
- Guide to Benefits for Premier Rate Mastercard Cardholders: Worldwide Automatic Travel Accident & Baggage Delay
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How much cash back will I earn on a 2% cash back 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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Do I need to select/create a PIN for my new RBFCU Mastercard credit card?
The new RBFCU Mastercard credit card you received does not require a PIN to activate. Unlike our old cards, these cards are no longer PIN-preferred. The security features of the card are enhanced without setting a PIN.
However, a PIN will be needed if:
- A merchant/retailer prompts you to enter a PIN to complete a purchase
- You use your credit card at an ATM
If you wish to create or change a PIN, you can call 1-866-307-4655 and follow the prompts you hear.
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How can I request a credit line increase?
To increase your credit card limit, you will need to submit a new credit application. You can complete the application through your Online Banking account. Just click on the three vertical dots next to the credit card you wish to increase and select “Change Limit / Rate.”
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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
- Email: memberservices@rbfcu.org
- Online:
- Visit “Manage Cards,” after signing in to your Online Banking account.
- Select your card.
- Choose “Report a Lost or Stolen Card” and follow the prompts.
- RBFCU Mobile app:
- Sign in to your Online Banking account.
- Tap “Manage Cards” in the bottom menu.
- Select your card.
- Choose “Report Lost or Stolen” and follow the prompts.
You can also “Freeze” your card to ensure no transactions are made while you search for the card, or “Replace” your card. If your card is connected to any mobile payment services, be sure to remove the card as a payment option.
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How do I change my credit card PIN?
If you wish to create or change a PIN, you can call 1-866-307-4655 and follow the prompts you hear.
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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. Contact the Consumer Lending Center for complete details.
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