World Cash Back Mastercard® Credit Card
The most rewarding credit card in your wallet.
The RBFCU World Cash Back Mastercard earns you unlimited 2% cash back on every purchase, every time and comes with a new world of exclusive savings and enhanced experiences, including:
- No Annual Fee
- No Foreign Transaction Fee
- $0 Fraud Liability on Unauthorized Purchases
- $1 Million in Travel Accident Insurance
Savings on everyday purchases make a world of a difference.
The RBFCU World Cash Back Mastercard gives you everyday value with exclusive offers on ride-sharing, food delivery, online shopping and more so you can make time for what really matters. Plus, earn unlimited 2% cash back on every purchase.
DoorDash
New members get 3 free months of membership. Plus, each new member that enrolls in a 3-month trial gets $5 off their first order per month.1*
McAfee
Get a 30-day free trial and a discounted one-year subscription to McAfee Total Protection for $29.50.2*
Lyft
Take just 3 rides with Lyft in a month and you’ll earn a $5 credit once per month to put towards your next ride.3*
ShopRunner
Free ShopRunner membership. Members currently receive free 2-day shipping and free return shipping at 100+ stores.4*
*Exclusive offers available upon World Cash Back credit card activation.
Get peace of mind with your RBFCU Mastercard.
The RBFCU World Cash Back 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.⁵
Global Emergency Services
Get emergency assistance virtually anytime, anywhere and in any language.
Contactless and Mobile Wallet Payments
Adds additional security with the use of tokenization to mask your actual card number.
24/7 Fraud Monitoring
24/7 fraud monitoring and alerts via email, phone and text if we notice suspicious activity on your account.
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.
Explore a world of new experiences.
Enjoy VIP experiences wherever you are with access to unforgettable moments, exclusive benefits and promotions.
Priceless Experiences
Enjoy unforgettable moments with your friends and family. Discover all Mastercard digital Priceless Experiences today.*
Priceless Golf®
Mastercard Golf has special offers and priceless experiences for you to play, attend, travel or learn in the world of golf.*
Cardholder Promotions
Stay updated on the latest promotions, exclusive offers, contests, sweepstakes, giveaways and more available to RBFCU Mastercard cardholders.
*Exclusive offers available upon World Cash Back credit card activation.
Enjoy Mastercard travel and lifestyle services*
With an RBFCU World Cash Back Mastercard, you can always feel like a VIP. Enjoy free nights at partner hotels, hundreds of staycation offers, upgrades on cars and RV rentals, and airport concierge service to name a few.
*Mastercard travel and lifestyle services available upon World Cash Back credit card activation.
Redeem your cash rewards at any time.
With an RBFCU World Cash Back Mastercard, you earn unlimited 2% cash back on every purchase, every time. Plus, you control when and how you want to redeem your rewards with the options below:
Cash Redemption
Deposit cash rewards to your RBFCU account.
Statement Credit
Apply cash rewards as a statement credit.
Important card documents
- Interest Rates, Interest Charges and Fees for World Cash Back and Premier Rate Mastercard Credit Cards
- World Cash Back Mastercard Pricing Terms and Agreement Billing Rights & Credit Card Disclosure
- Mastercard Guide to Benefits for World Cash Back Mastercard Credit Cardholders
- Travel Assistance Services
- Worldwide Automatic Travel Accident & Baggage Delay
- Common Carrier Trip Cancellation and Trip Interruption
- Rideshare Protection
- Concierge Service
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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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When will I begin earning 2% cash back?
New cardholders will begin earning 2% unlimited cash back on purchases once the World Cash Back Mastercard is activated.
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How are rewards earned?
World Cash Back Mastercard: Earns unlimited cash rewards equivalent to 2% of the amount of each qualified purchase completed.
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How do I redeem my rewards?
World Cash Back cardholders: You can access your rewards balance through your Online Banking account or the RBFCU Mobile app. You may redeem your accrued cash anytime as a:
- Statement credit
- Deposit to your RBFCU checking or savings account
The minimum cash reward redemption amount for a statement credit and account deposit is $5, and the maximum redemption amount is $2,500 per card, per day. Any unredeemed cash rewards will continue to accumulate.
Rewards access subject to account status and other criteria at the time of redemption.
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Is there a limit on rewards accrual?
There’s no limit to the amount of rewards you can earn from purchase transactions.
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What happens to my cash back rewards if I close my account?
In the event that your card is lost or stolen, we’ll transfer your cash back rewards balance to your new card account. If the card closes for other reasons, you may forfeit any accrued cash back rewards or points.
We reserve the right to disqualify transactions that aren’t usual or customary and are structured or intended to abuse the program. Abuse of the program may result in forfeiture of accrued rewards and loss of 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.
Membership eligibility required. Credit cards are subject to credit approval. Program availability, rates and terms are subject to change. Certain benefits of the RBFCU World Cash Back Mastercard credit card will be unavailable to cardholders until the World Cash Back credit card has been activated. 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 is redeemable online, and payment of the reward may be made by direct deposit or as a statement credit. Cash 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. Contact the Consumer Lending Center for complete details.
1. DoorDash
Mastercard DashPass Free Trial: Free three‑month trial applicable for eligible World and World Elite Mastercard cardholders for 90 days from the day on which it is initiated. Offer valid only for first-time use of an eligible World or
World Elite Mastercard as a method of payment for a DashPass subscription. Offer valid from April 1, 2021, to September 30, 2023, or while supplies last. This offer may be amended or canceled at any time without notice. AFTER DASHPASS TRIAL PERIOD
ENDS, YOU WILL AUTOMATICALLY BE CHARGED THE CURRENT MONTHLY DASHPASS RATE, PLUS ANY APPLICABLE FEES. SEE FULL DASHPASS TERMS AND CONDITIONS HERE: www.doordash.com/terms. To cancel, go
to “Manage DashPass” in your DoorDash account and select “End Subscription.” DashPass is a subscription service that offers $0 delivery fees on certain qualifying orders from eligible merchants. A minimum order amount may apply
to all DashPass-eligible orders. Other fees (including but not limited to service fees, small order fees and surge fees), taxes and gratuity still apply.
$5 off, valid on one order every month during the offer period for eligible Mastercard DashPass free trial and eligible Chase DashPass free trial or discounted plan subscribers. Must qualify and sign up for the Mastercard DashPass free trial or Chase DashPass free trial. $5 discount available only at checkout when using the World or World Elite Mastercard used to enroll in the Mastercard DashPass free trial or Chase DashPass free trial. Valid for eligible World or World Elite Mastercard cardholders from April 11, 2022, to September 30, 2023, or while supplies last, except that offer is valid for Chase World or World Elite Mastercard cardholders through the earlier of: (1) the expiration of their Chase DashPass free trial or discounted plan, (2) September 30, 2023, or (3) while supplies last. This offer may be amended or canceled at any time without notice. The $5 discount does not roll over to the following month. If the full $5 value is not used on a single order, the remaining value will be forfeited. Not valid for the purchase of alcohol. Fees, taxes and gratuity still apply.
All orders subject to availability. Must have or create a valid DoorDash account with a valid form of accepted payment on file. No cash value. Nontransferable. The Terms and Conditions related to the usage of mobile wallets, like Apple Pay or Google Pay, can be found at www.doordash.com/mastercard. Click the following link for additional DoorDash Promotional Terms and Conditions: help.doordash.com/consumers/s/article/offer-terms-conditions. In the event of a direct conflict between these DoorDash and World and World Elite Mastercard Offer Disclosures (“Offer Disclosures”) and the DoorDash Promotional Code(s) Terms and Conditions, these Offer Disclosures apply.
2. McAfee
Offer expires 3/31/2024. Offer available to new customers only. A new customer is a customer that has not had an active McAfee account before. New customers who pay for their first annual McAfee Total Protection for Mastercard subscription
using a U.S.-issued Mastercard credit card will receive a special introductory price on that first annual subscription term following the 30-day free trial period. New customers enrolling in their first annual subscription following the free trial
period will also receive 12 months of McAfee TechMate at no additional cost. Limit one offer per cardholder. Upon expiration of the free trial, you will automatically be charged $29.50 (for use on up to five devices), unless you cancel before
the free trial expires. You can cancel at any time by accessing your My Account page. (https://home.mcafee.com/secure/protected/login.aspx?culture=en-us&affid=1583&pflow=mastercard)
Unless you cancel your annual subscription at least 30 days before it expires, you will be charged the renewal subscription price in effect at the time of your renewal, and it will renew automatically for another 12-month term. For full terms and conditions, visit mcafee.com/mastercard.
3. Lyft
Take 3, Get $5: Beginning 4/1/21 and running through 3/31/24, Lyft users can participate in Lyft and Mastercard’s Take 3, Get $5 program (“Program”) by taking and partially or fully paying for three (3) Eligible
Rides in a calendar month to receive a $5 Lyft credit (“Credit”). The rides must be paid for with an eligible World or World Elite Mastercard credit card (Apple Card is not eligible for this program, but Apple Pay or Google Pay
may be eligible if your World or World Elite Mastercard credit card is the funding source). Limit one Credit per calendar month per Lyft account. An “Eligible Ride” is any Lyft ride type, excluding business rides and bicycle and
scooter rental rides. Valid only in the USA. Whether a ride qualifies as an Eligible Ride for purposes of the Credit will be determined in Lyft’s sole discretion. Credits expire 30 days after application. Limited time only and while
supplies last. By participating in the Program, you agree to these terms and Lyft’s Terms of Service www.lyft.com/terms, and you agree that Lyft and Mastercard may share your
information for the purposes of tracking and processing the Credit and may use anonymized, aggregated data for business analytics and offer optimization. Credits may take up to 2 days to be applied to your Lyft account.
4. ShopRunner
Valid through 3/31/24. To get the free ShopRunner membership offer, compliments of Mastercard, please go to www.shoprunner.com/mastercard and verify your
eligibility for the offer with a World Mastercard or World Elite Mastercard account number and then complete the sign-up for a ShopRunner membership account. For details on how the ShopRunner membership works, please see the ShopRunner Terms
and Conditions at www.shoprunner.com/terms/sr, which govern the use of your ShopRunner membership offer.
5. These are summary descriptions only. Certain terms, conditions and exclusions apply. To learn more about Zero Liability, visit mastercard.com/zeroliability. Contact your issuing financial institution 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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