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RBFCU Randolph-Brooks Federal Credit Union Business Select Mastercard® offers unlimited 2% cash back on your purchases and rebates at selected merchants through Mastercard Easy Savings®. It charges $0 annual and foreign transaction fees, and comes with travel accident insurance of up to $1 million. You can also access business-management tools, allowing you to manage and track your company’s expenses seamlessly.
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RBFCU Business Select Mastercard®
BEST FOR:
RBFCU members wanting to maximize business purchases
- Unlimited 2% cash back on all purchases
Pros
- Offers unlimited 2% cash back on all purchases
- No annual, balance transfer, and foreign transaction fees
Cons
- No interest-free financing option for purchases
- Exclusive for RBFCU members
- No introductory rewards
- RBFCU is only located in the following cities in Texas: Austin, Corpus Christi, Dallas-Fort Worth, and San Antonio
- Fraud monitoring and alerts: RBFCU ensures their cardholders 24/7 monitoring of any possible fraudulent transaction, and will notify you as soon as they identify one.
- Additional authorized users: Primary cardholders can add up to three authorized users to their credit card account. It should be noted that authorized users must have an existing RBFCU primary savings account that is in good standing.
- Travel accident insurance: RBFCU provides its cardholders $1 million in travel accident insurance.
- Billing breakdowns: You can customize your bills by maintaining only one credit card account for all your cards.
- Unlimited 2% cash back on all purchases
Pros
- Offers unlimited 2% cash back on all purchases
- No annual, balance transfer, and foreign transaction fees
Cons
- No interest-free financing option for purchases
- Exclusive for RBFCU members
- No introductory rewards
- RBFCU is only located in the following cities in Texas: Austin, Corpus Christi, Dallas-Fort Worth, and San Antonio
- Fraud monitoring and alerts: RBFCU ensures their cardholders 24/7 monitoring of any possible fraudulent transaction, and will notify you as soon as they identify one.
- Additional authorized users: Primary cardholders can add up to three authorized users to their credit card account. It should be noted that authorized users must have an existing RBFCU primary savings account that is in good standing.
- Travel accident insurance: RBFCU provides its cardholders $1 million in travel accident insurance.
- Billing breakdowns: You can customize your bills by maintaining only one credit card account for all your cards.
When grading cash back business credit cards like the RBFCU Business Select Mastercard®, we first consider the ongoing rewards. Then we give weight to the introductory rewards, annual fee, introductory and ongoing APRs, and other card benefits.
Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
Ongoing Rewards | 25 | 30 |
Introductory Rewards | 0 | 20 |
Annual Fee | 15 | 15 |
Additional Features | 15 | 15 |
Introductory APR | 0 | 10 |
Ongoing APR | 10 | 10 |
Total Score | 65 | 100 |
Who the RBFCU Business Select Mastercard® Is Best For
- Business owners who are eligible to be RBFCU members: The card is a good option if you’re eligible for RBFCU membership and want to maximize spending by earning 2% cash back on all your business purchases.
You can become a member of RBFCU through your family member, employer, place of worship, or community organization that is already part of the credit union. Alternatively, you can complete its short application to know if you qualify for membership.
- Businesses that are based in Texas: RBFCU branches are only available in selected cities in Texas Austin, Corpus Christi, Dallas-Fort Worth, and San Antonio .
See our recommended alternatives below if this card isn’t the best fit for your business.
RBFCU Business Select Mastercard® Rewards
- Unlimited 2% cash back on all purchases
- Up to 25% automatic rebates at more than 50,000 participating program partners through Mastercard Easy Savings®
Rewards Calculator
Use the calculator below to find out how much you can earn from your business purchases using RBFCU Business Select Mastercard®. Just enter your expected expenses per month and the calculator will compute your potential cash back rewards in a year. Note that only ongoing cash back rewards are included—rebates earned from Mastercard Easy Savings® are not included in the computation.
How To Redeem Rewards
You can redeem your cash back rewards for a statement credit, gift cards, travel, or merchandise. You also have the option to use them to pay with points through PayPal. Simply sign in to your online banking account and select your preferred redemption option.
Note that the minimum cash reward redemption amount for a statement credit is $5. There is a maximum redemption amount of $2,500 per card, per day. Your unredeemed cash rewards will continue to accumulate as long as your account is open and in good standing.
RBFCU Business Select Mastercard® Features
Cash Management
- Additional authorized users: Add multiple authorized users to your account. The authorized user must have an existing RBFCU primary savings account in good standing.
- Billing breakdowns: Customize your bills by maintaining only one credit card account for all your cards. Plus, you can itemize the expenses per user to check the expenses made by authorized users easily.
Mastercard Features
- Fraud monitoring and alerts: Get notified in case of suspicious fraud transactions as RBFCU offers 24/7 monitoring of any possible fraudulent transaction.
- Travel accident insurance: Enjoy up to $1 million in travel accident insurance.
- Mastercard ID Theft ProtectionTM: Enjoy features like identity theft resolution specialists, IDRiskIQ, and Credit Freezing, to protect you against identity theft.
Travel Offers and Exclusive Discounts
- Booking.com: Get up to 7% discount on all pre-paid bookings for accommodations booked through Booking.com.
- Mastercard Airport Concierge™: Access VIP meet and assist services through over 900 airports and enjoy 15% savings.
- Priceless Experiences®: Access exclusive experiences, including dining, sports, entertainment, and more in over 45 exciting destinations around the world.
- Priceless Golf®: Get discounted rates for golf courses, complimentary grounds passes for PGA Tournaments, and exclusive access to domestic and international golf travel packages.
RBFCU Business Select Mastercard® Fees
APR
- Introductory on balance transfers and cash advances: 2.9% for the first 12 months after making a transfer/advance within the first 90 days from the date of account opening
- Ongoing on purchases: 18% variable, which will adjust with the prime rate (no minimum interest charge)
- Ongoing on Balance transfers: 18% variable
- Ongoing on cash advances: 18% variable
- Penalty: None
Fees
- Annual: $0
- Balance transfer: 2% of the amount of each transfer
- Cash advance: 2% of the amount of each advance
- Foreign transaction: $0
- Over the credit limit: $0
- Late and payment: Up to $29
- Returned payment: Up to $29
Your due date is at least 25 days after the close of each billing cycle.
- Online: Log in to your Online Banking Account and select “Move Money” from the menu. Click “Pay a Bill” to enroll or use Bill Pay to pay your credit card bills.
- Mobile app: You can make credit card payments through its mobile app.
- Phone: Call (866) 297-3413 and follow the prompts.
- In-person: Find an RBFCU branch near you.
RBFCU Business Select Mastercard® Alternatives
The American Express Blue Business Cash™ Card
The American Express Blue Business Cash™ Card
BEST FOR:
Those who want better cash back rewards
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% – 27.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply
Pros
- 0% introductory annual percentage rate (APR)
- Welcome offer
- Fixed rate rewards
- $0 annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter. (Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.)
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% – 27.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply
Pros
- 0% introductory annual percentage rate (APR)
- Welcome offer
- Fixed rate rewards
- $0 annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter. (Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.)
The American Express Blue Business Cash™ Card is available to business owners who can meet its qualification requirements. It offers up to 2% cash back on purchases, which will be automatically credited to your billing statement. Those who need to spend over their credit limit will find this card valuable—it features Expanded Buying Power that lets you go beyond your limit based on your usage, credit score, and payment history. Plus, it has $0 annual fees, 0% purchase APR for 12 months, and a $250 welcome offer when you meet the spending requirements.
Read the leading American Express business credit cards for other alternatives from this provider.
U.S. Bank Triple Cash Rewards Visa® Business Card
U.S. Bank Triple Cash Rewards Visa® Business Card
BEST FOR:
Those wanting to earn up to 5% cash back on selected spending categories
- Earn $500 in cash back. Just spend $4,500 on the Account Owner's card in the first 150 days of opening your account.
- Earn 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
- 1% cash back on all other eligible purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center when using your card.
- Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
- No limit on total cash back earned.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
Pros
- 0% purchase APR for 12 months
- $0 annual fee
- U.S. Bank ExtendPay® Plan feature
Cons
- No 0% APR on balance transfers
- Charges balance transfer and foreign transaction fees
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
- U.S. Bank ExtendPay® Plan: Pay off your eligible balance over time with this feature without interest—just pay a small monthly fee
- Earn $500 in cash back. Just spend $4,500 on the Account Owner's card in the first 150 days of opening your account.
- Earn 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
- 1% cash back on all other eligible purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center when using your card.
- Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
- No limit on total cash back earned.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
Pros
- 0% purchase APR for 12 months
- $0 annual fee
- U.S. Bank ExtendPay® Plan feature
Cons
- No 0% APR on balance transfers
- Charges balance transfer and foreign transaction fees
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
- U.S. Bank ExtendPay® Plan: Pay off your eligible balance over time with this feature without interest—just pay a small monthly fee
The U.S. Bank Triple Cash Rewards Visa® Business Card is another business credit card that lets you save money on expenses through $0 annual fees, 12 months 0% purchase APR, up to 5% cash back, a $500 cash bonus as a welcome offer, and a $100 statement credit for your annual software subscriptions. Plus, it features the ExtendPay® Plan that lets you pay off your eligible balance over time without interest It charges a small monthly fee. New cardmembers can enjoy a $0 fee on ExtendPay Plans opened in the first 60 days after account opening. .
Check out other cards from the U.S. Bank by reading our roundup for the best U.S. Bank business credit cards.
card_name
Ink Business Unlimited® Credit Card
BEST FOR:
Those who want fixed-rate 1.5% cash back on all purchases
- Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Pros
- With interest-free financing option on purchases
- Fixed unlimited cash back on all purchases
Cons
- Does not have interest-free financing option on balance transfers
- Charges high foreign transaction fees
- Auto rental collision damage waiver: You can decline the company’s collision insurance and charge the entire rental cost to this card.
- Travel and emergency assistance services: Call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance.
- Purchase protection: You can ensure that your new purchases are covered for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Zero liability protection: Chase will not hold you responsible for unauthorized transactions made with both your card and your account information.
- Cellphone protection: Receive up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees included in your monthly cellphone bills when using your card to pay for it. This applies for a maximum of three claims within a 12-month period and will charge a $100 deductible per claim.
- Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Pros
- With interest-free financing option on purchases
- Fixed unlimited cash back on all purchases
Cons
- Does not have interest-free financing option on balance transfers
- Charges high foreign transaction fees
- Auto rental collision damage waiver: You can decline the company’s collision insurance and charge the entire rental cost to this card.
- Travel and emergency assistance services: Call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance.
- Purchase protection: You can ensure that your new purchases are covered for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Zero liability protection: Chase will not hold you responsible for unauthorized transactions made with both your card and your account information.
- Cellphone protection: Receive up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees included in your monthly cellphone bills when using your card to pay for it. This applies for a maximum of three claims within a 12-month period and will charge a $100 deductible per claim.
The Ink Business Unlimited® Credit Card offers unlimited cash back with $0 annual fees and 0% APR on purchases for 12 months. You can earn up to 5% cash back, which you can redeem for a statement credit, a deposit to your savings or checking account, travel, merchandise, gift cards, and more. Similar to the other recommended alternatives, this card does not require any membership for you to qualify.
Visit our top Chase business credit cards for other options from this issuer.
Frequently Asked Questions (FAQs)
Yes, RBFCU requires a personal guarantee for your RBFCU Business Select Mastercard® and other business lending products.
Yes, it is. To request a credit limit increase with RBFCU, submit a new credit application—which can be done through RBFCU’s online banking account. Click on the three vertical dots found next to your chosen credit card in which you want to have a credit limit increase and select “Change Limit / Rate.”
The person you designate as account administrator may cash out your business credit card rewards.
You’ll need to have a minimum deposit of $1 to open and maintain this account. You’ll also be required to provide the following information:
- A state-issued ID
- A credit or debit card to fund your new savings account
- Address
- Contact information
- Social Security number (SSN)
- How you qualified for membership
Bottom Line
RBFCU Business Select Mastercard® is a great credit card for RBFCU members as it offers unlimited 2% cash back on all purchases. It also has an introductory rate of 2.9% for the first 12 billing cycles on any balance transfer and cash advance made within the first 90 days after account opening. On top of all that, it charges $0 annual and foreign transaction fees and comes with a relatively low ongoing APR. While the features are great, note that only members of RBFCU are eligible to apply for the card.
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