Premier Rate Mastercard® Credit Card

Enjoy a lower rate on all of your purchases.

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:

Umbrella

Mastercard Zero Liability Protection

You’re not responsible in the event someone makes unauthorized purchases with your card.1

Credit card with locked padlock on it

24/7 Fraud Monitoring

24/7 fraud monitoring and alerts via email, phone and text if we notice suspicious activity on your account.

Credit card on smartphone with contactless payment symbol

Contactless and Mobile Wallet Payments

Adds additional security with the use of tokenization to mask your actual card number.

MoviePass logo

Get 50% off your first two months of a new Standard or Premium MoviePass plan.2*

Booking.com logo

Receive up to 7% off prepaid bookings.3*

Healthlock logo

Enjoy a HealthLock for Mastercard® Medical Claim Monitor Complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.4*

*Exclusive offers available upon Premier Rate credit card activation.

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  • Do I need to select/create a PIN for my new RBFCU Mastercard credit card?
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    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, use the applicable number listed below and when prompted say, “Select PIN.”

  • How can I request a credit line increase?
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    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.”

  • 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:

    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.

  • How do I change my credit card PIN?
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    If you wish to create or change a PIN, use the applicable number listed below and when prompted say, “Select 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. Contact the Consumer Lending Center for complete details.

1. These are summary descriptions only. 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.

2. MoviePass
Offer valid until 9/30/2025, subject to early termination. Customers who purchase a new MoviePass Standard Subscription Plan or a new MoviePass Premium Subscription Plan at moviepass.com/mastercard using an eligible Premier Rate Mastercard credit card will receive a 50% discount on the first two months of the applicable monthly subscription price. For full terms and conditions visit www.moviepass.com/mastercard.

3. Booking.com
Valid until 9/30/2025. Bookings must be prepaid and made through booking.com/mastercardUS to be eligible for this offer. To redeem, visit booking.com/mastercardUS, choose a property marked with a "Save when you pay now with your eligible Mastercard" tag, and then select "Pay Now" using your eligible Premier Rate Mastercard credit card at checkout. The discount will be applied automatically at the time of prepayment and will vary based on the property and dates selected. Additional eligibility restrictions, exclusions, and terms apply. See full terms and conditions.

4. HealthLock
HealthLock is an end to end analytics driven platform that helps protect cardholders’ medical identities and data and monitors their medical claims for errors, fraud and overbilling. HealthLock provides three plan levels:

  • Medical Claim Monitor: Helps guard against medical fraud and privacy intrusions by monitoring medical data breaches, providing alerts and helping remediate medical fraud issues.
  • Medical Claim Auditor: Organizes, tracks and audits all healthcare bills (24 month retroactive audit and ongoing auditing) in one place, verifying that all bills are accurate and identifying potential overcharges and insurance errors. This level includes everything from the previous plan.
  • Medical Claim Saver: Provides access to medical bill negotiation with providers and insurance companies to potentially help reduce bills and reverse claim rejections. This level includes everything from the previous plan.

Enrolled users receive, at no cost, Medical Claim Monitor, plus a premium upgrade to Medical Claim Saver for the first 90 days. After 90 days, users will continue to receive Medical Claim Monitor at no monthly cost and have the option to continue with Medical Claim Auditor for $4.99 per month or Medical Claim Saver for $19.99 per month. See full terms here.

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