RBFCU CashBack Rewards Mastercard® review

How to apply for the RBFCU CashBack Rewards Mastercard®

You need a RBFCU membership to own the card. You can either become a member prior to or after you apply. After that:

1. Visit the RBFCU website and locate the card.
2. Click Apply for a card.
3. Sign up to your membership account or click Apply now.
4. Select Credit Cards in the Loans Type section and Platinum CashBack Rewards in the Loan Product section.
5. Fill out the application form.
6. Review the form and submit.

Card benefits

• Cash back.
  Earn 2% cash back on all purchases. This is high considering the industry standard is 1.5%.

• Potentially low APR.
  Depending on your creditworthiness, you can get an APR between 9.9% and 17.9% variable. This is low compared to rates imposed by similar rewards credit cards, which can be up to 28%.

• Intro APR period on balance transfers.
  Use 12 billing cycles of intro APR period on balance transfers made within your first 90 days of account opening. Once the intro period ends, your APR reverts to 9.9% to 17.9% variable.

• Intro APR period on cash advances.
  This card offers a 0% intro APR on cash advances made within the first 90 days for 12 billing cycles. After that, your cash advance APR will be 9.9% to 17.9% variable. Cash advances typically start incurring high APR from the moment you make an ATM withdrawal or a similar transaction. This makes them often the most expensive card transactions.

• No fees.
  You’ll save money on some of the most common fees, including the annual fee, on balance transfers, cash advances and on foreign transactions.

What to watch out for

• No signup bonus.
  Look for credit cards with bonus offers if you want to earn a quick batch of points or a statement credit upon signup. Note that while the RBFCU CashBack Rewards Mastercard® has no signup bonus, it may offer better long-term value thanks to its rewards rate.

• No intro APR period on purchases.
  The card offers a long intro APR period on balance transfers and cash advances. But if you’re looking to make a large purchase and carry the balance interest-free, compare 0% intro APR credit cards.

Compare cash back credit cards

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Name	Product	Welcome Offer	Rewards	Annual fee	Filter values
Blue Cash Preferred® Card from American Express		$300 statement credit after spending $3,000 in the first 6 months	6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on other purchases (redeem as statement credit)	$0 intro annual fee for the first year ($95 thereafter)		Earn a $300 statement credit after you spend $3,000 in purchases on your new card within the first 6 months. Having 6 months to earn a welcome offer is a rare benefit as most cards give you only 3. Terms apply, see rates & fees	Apply now View details	Compare	loading Fetching your data...
Capital One Quicksilver Cash Rewards Credit Card		One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening	Earn unlimited 1.5% cash back on every purchase, every day	$0		One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening	Apply now View details	Compare	loading Fetching your data...
Blue Cash Everyday® Card from American Express		Earn a $200 statement credit after spending $2,000 in the first 6 months	3% at US supermarkets on up to $6,000 per year (then 1%), 2% at US gas stations and select US department stores and 1% on other purchases (redeem as statement credit)	$0		Earn a $200 statement credit after spending $2,000 in the first 6 months. This is a higher-than-average welcome offer for a card with no annual fee. Terms apply, see rates & fees	Apply now View details	Compare	loading Fetching your data...

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Bottom line

Consider the RBFCU CashBack Rewards Mastercard® if you’re looking for a cashback card with a generous rewards rate on all purchases. In addition, you get to save money on fees, including on balance transfers, foreign transactions and cash advances, plus you get a long intro APR period on balance transfers and cash advances. A rare offer in the credit card industry.

But if you’re looking for a signup bonus or a 0% intro APR period on purchases, compare other credit cards to find the right card for you.

Frequently asked questions

• How can I become an RBFCU member?

  The credit union claims there are more than 3,000 ways to become a member, so chances are you’ll qualify. You can check your eligibility on the RBFCU website.

  In case you don’t qualify, call RBFCU customer service and they can help you find additional opportunities to join. Numbers to call are:

  • San Antonio: 210-945-3300
  • Austin: 512-833-3300

  • Toll-free/Corpus Christi/Dallas: 800-580-3300

• How secure is the card?

  Since this is a Mastercard, you get EMV chip technology, fraud monitoring and alerts, and zero liability on unauthorized purchases.

• Are there other 2% cashback credit cards?

  Yes, you can consider the following cards:

  • PayPal Cashback Mastercard®
  • Citi® Double Cash Card

  • PenFed Power Cash Rewards Visa Signature® Card