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 Mastercard credit card

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 Mastercard credit card

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 Mastercard credit card

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:

An RBFCU credit card comes with convenience, exclusive benefits and promotions.

Woman and daughter smiling for the camera

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.

Person using smartphone to make a payment

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.

Woman checking smartphone while walking down the street

Cardholder Promotions

Stay updated on the latest promotions, exclusive offers, contests, sweepstakes, giveaways and more available to RBFCU Mastercard cardholders.

World Cash Back
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Premier Rate
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Business Credit Card
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Explore video resources to help manage your RBFCU Mastercard credit card.

  • 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. 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 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.

Ask RBFCU