RBFCU Go Beyond: Member Giveback
We believe that every day is a new opportunity to make someone’s life a little easier and that banking should be more about people, not profits.
For a limited time, start earning more on all of your everyday purchases
Oct. 1 through Dec. 31, 2025!
To celebrate the season of giving, eligible members will automatically benefit from these exclusive rewards:
Dime after Dime
Earn 10¢ cash back on every purchase with the Freedom Debit Card!
Don’t have an RBFCU Really Free Checking account?
Thrice is Nice
We’re boosting unlimited 2% cash-back rewards to 3%* total cash-back on every purchase with the RBFCU World Cash Back Mastercard®!
Don’t have a World Cash Back Mastercard?
Go Beyond: Member Giveback — your everyday spending just got a whole lot more rewarding
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What are the dates for the Go Beyond: Member Giveback?
This is a limited-time promotion. The effective dates for the Go Beyond: Member Giveback are 12 a.m., Wednesday, Oct. 1 through 11:59 p.m., Dec. 31, 2025.
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Who can I contact for additional questions?
For more details on the Go Beyond: Member Giveback, call the RBFCU Payment Service Center at 210-945-3300, extension 74571.
Also, at any time during the promotion starting Oct. 1, members can go to rbfcu.org/giveback for additional information.
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How can I qualify for 10 cents cash back?
To participate in the 10 cents cash-back (Dime after Dime) promotion, you need a Really Free Checking account and a Freedom Debit Card (members must be in good standing).
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How does the 10 cents cash back accumulate?
Every time you make a qualifying purchase with your Freedom Debit Card during the promotion, 10 cents will be accrued to your cash-back balance to be deposited into your Really Free Checking account within 60 business days of the end of the promotional period.
(NOTE: We reserve the right to disqualify transactions that are not usual or customary and appear to be structured or intended to abuse the program.)
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Can my online purchases qualify for 10 cents cash back?
Yes, purchases made online with your Freedom Debit Card during the promotion qualify for 10 cents cash back. In-store purchases also qualify for 10 cents cash back.
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Do I get 10 cents cash back when I use my Freedom Debit Card at an ATM?
No, ATM and other cash withdrawals when you present your Freedom Debit Card do not qualify for 10 cents cash back.
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Do I receive 10 cents cash back when I tap my Freedom Debit Card at checkout when I am shopping in person, or when I use the card stored in my mobile wallet?
Yes, a tap payment at a retailer and mobile wallet payments qualify for 10 cents cash back.
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How do I activate my Freedom Debit Card?
You can activate your Freedom Debit Card either by phone or online.
- Phone
- Call the Interactive Voice Response (IVR) system at 1-800-992-3808
- Follow the prompts
- Make sure to call from a phone number that is on file with RBFCU
- Online
- Sign in to your Online Banking account at rbfcu.org or the RBFCU Mobile® app
- Go to Manage Cards
- Choose the image of your Freedom Debit Card
- Choose PIN Select/Activate
- Enter new PIN and Confirm new PIN
- Choose Submit
- Phone
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Will I earn 10 cents cash back on my RBFCU Freedom Business Debit Card?
Yes, the RBFCU Freedom Business Debit Card is eligible for 10 cents cash back.
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When will I receive my total cash back?
Accumulated 10 cents cash back will be conveniently deposited into your Really Free Checking account as a lump sum within 60 business days of the end of the promotional period.
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How can I access my 10 cents cash back?
You can access your 10 cents cash back when it appears in your Account Summary. Accumulated 10 cents cash back will be conveniently deposited into your Really Free Checking account within 60 business days of the end of the promotional period.
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How do I track the total cash back I've earned?
Total cash back earned for Freedom Debit Card purchases can be viewed in Online Banking and the RBFCU Mobile app on your Checking “Account Activity” page and will appear above your current balance with the heading: “2025 Member Giveback Cash Back Earned.” Total cash back will be updated each night, and totals will reflect all purchase transactions through close of business from the previous day. For example, on Oct. 2, members will be able to see how much cash back they earned for all purchases made on Oct. 1; on Oct. 3, members will be able to see how much cash back they earned for all purchases made on Oct. 1 and Oct. 2, etc. The total will accumulate each day through Dec. 31, 2025.
If you are unable to view your total cash back earned, you must use the latest version of the RBFCU Mobile app. If you are unable to see the “2025 Member Giveback Cash Back Earned” section on your Checking “Account Activity” page, please visit the app store and ensure you are running the latest version. If the issue with the app persists, please call 210-945-3300 to speak to a Member Service Representative for assistance. Troubleshooting support for the app can be found at rbfcu.org/troubleshootingapp
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Do I have a limited time to redeem and spend the 10 cents cash back?
No, because your 10 cents cash back do not expire.
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What happens to my 10 cents cash back if I return or get a refund on a transaction?
If you return or receive a refund for a transaction that earned 10 cents cash back, the corresponding reward amount will be reversed (please see in the FAQs below this also applies to World Card Cash Back rewards transactions during the limited-time promotion).
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What happens to my 10 cents cash back if I am designated not to be a member in good standing?
Members who earn cash back but subsequently become ineligible as of the payout dates will not receive the distribution and will not be notified.
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How is the 3% credit card promotion different from the current cash-back rewards I receive?
During the 3% cash-back rewards (Thrice is Nice) promotion, the RBFCU World Cash Back Mastercard will boost from a 2% cash-back rewards credit card to 3%* total cash-back rewards. This means World Cash Back cardholders will receive an additional 1% more in cash-back rewards during the promotional period beginning at 12 a.m., Oct. 1 and ending at 11:59 p.m., Dec. 31, 2025.
*Standard cash-back rate of 2% resumes Jan. 1, 2026.
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How do I activate my RBFCU Mastercard Credit Card?
You can activate your Freedom Debit Card either by phone or online.
- Phone
- Call the Interactive Voice Response (IVR) system at 1-888-999-4355 or 531-233-6762
- Follow the prompts
- Make sure to call from a phone number that is on file with RBFCU
- Online
- Sign in to your Online Banking account at rbfcu.org or the RBFCU Mobile® app
- From the Your Summary screen, choose Manage Cards
- From Your Summary/Manage Cards screen, choose the image of your RBFCU Mastercard Credit Card
- Choose the Activate Card radio button
- Choose Submit
- Phone
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Can I use my Premier Rate Mastercard or Business Select Mastercard to earn cash-back rewards?
The Business Select Mastercard can be used to earn 3% cash-back rewards during this promotion. However, the Premier Rate Mastercard is not eligible.
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Is there an added fee to earn 3% cash-back rewards during this promotion?
No, there is no annual fee for the RBFCU World Cash Back Mastercard at any time, including during the promotion.
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How do the 3% cash-back rewards accumulate?
Every time you make a qualifying purchase with your RBFCU World Cash Back Mastercard during the promotion, 3% of the purchase will be credited to your World Cash Back rewards balance and can be accessed through uChoose Rewards.
(NOTE: We reserve the right to disqualify transactions that are not usual or customary and appear to be structured or intended to abuse the program.)
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Can my online purchases qualify for 3% cash-back rewards?
Yes, purchases online with your World Cash Back Mastercard during the promotion qualify for 3% cash-back rewards. Your in-store purchases also qualify for 3% cash-back rewards.
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Do I receive 3% cash-back rewards when I tap my credit card at checkout while I am shopping in person, or when I use the card stored in my mobile wallet?
Yes, a tap payment at a retailer and mobile wallet payments qualify for 3% cash-back rewards.
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Do I get 3% cash-back rewards when I use my World Cash Back Mastercard to make a Balance Transfer or Cash Advance?
No, Balance Transfers and Cash Advances do not qualify for 3% cash-back rewards. Purchases online or in-person with your World Cash Back card qualify. However, finance charges, fees and any other non-purchase transactions do not qualify for rewards.
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How can I keep track of my 3% cash-back total during the promotion?
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 World Cash Back rewards balance and also can redeem. Cash-back rewards earned may remain in pending status until the 1st of the following month.
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How can I access my 3% cash-back rewards?
You can access your 3% 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 credits to World Cash Back rewards balance and also can redeem. You control how you redeem your rewards, including:
- Deposit to your RBFCU checking account
- Statement credit
- Pay with points
- Gift cards
- Travel
- Merchandise
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Can I spend or redeem the 3% cash-back rewards after the promotion ends?
Yes, because the 3% 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 card is closed before redemption.)
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How do I redeem my cash-back rewards as a deposit to my RBFCU checking account?
- Sign in to your Online Banking account
- Select your cash-back credit card
- Select “Cash Back Rewards” on the Credit Card Activity page to visit uChoose Rewards
- Choose “Deposit – Alternate Account” under “Redeem Your Cash”
*Members can only deposit rewards to their RBFCU checking account with an RBFCU debit card - From the Card Number field, enter the appropriate 16-digit Card Number for the deposit
- Confirm the Card Number again
- Select “Redeem”
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What happens to my 3% cash-back rewards if I return or get a refund on a transaction?
If you return or receive a refund for a transaction that earned 3% cash-back rewards, the corresponding reward amount will be reversed (please see in the FAQs above this also applies to Freedom Debit Card 10 cents cash-back transactions during this limited-time promotion). The reversal will reflect in your account based on the original reward structure.
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What happens to my cash-back rewards if I am designated not to be a member in good standing?
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.
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Can Joint and Authorized Users accumulate 3% cash-back rewards? Can Joint and Authorized Users have access to rewards and redeem them?
Use of the World Cash Back card by a Joint Account and Authorized user will count toward the accumulation of 3% cash-back rewards. The cash-back rewards are deposited into the main account holder's rewards balance.
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Do I lose any of my RBFCU World Cash Back Mastercard benefits during this promotion?
No, all the benefits and features that you currently enjoy with the World Cash Back card remain unchanged during the promotion.
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Where can I find frequently asked questions about credit cards?
Frequently asked questions can be found on our website at www.rbfcu.org/learn/faqs/loans-faqs#credit-cards
Federally insured by NCUA
Membership eligibility required. Rates, terms and programs subject to change without notice; restrictions may apply. Credit cards subject to credit approval. The 2025 Go Beyond: Member Giveback begins at 12:00 a.m. Central Daylight Time (CDT) on Oct. 1, 2025 and ends at 11:59:59 p.m. Central Standard Time (CST) on Dec. 31, 2025 (“Promotion Period”). RBFCU Members must be active and in good standing to be eligible. Cash-back rewards available upon Freedom Debit Card and World Cash Back credit card activation. Non-purchase transactions do not qualify for rewards. Members who earn cash back and cash-back rewards but subsequently become ineligible as of the payout dates will not receive the distribution and will not be notified. 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. Refer to full Terms and Conditions for the 2025 Go Beyond: Member Giveback here.
Dime after Dime
Accumulated 10¢ Cash Back rewards will be conveniently deposited into your Really Free Checking account within 60 business days of the end of the promotional period.
Thrice is Nice
Cash-back rewards earned may remain in pending status until the 1st of the following month. *Standard cash-back rate of 2% resumes Jan. 1, 2026. Cash rewards are forfeited if your World Cash Back credit card is closed before redemption.
