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RBFCURandolph-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.
If you wish to compare one credit card over another, select a maximum of three cards on this page and click Add to compare to view the details in a side-by-side comparison.
| Intro APR | None |
|---|---|
| Regular APR | 18% variable |
| Annual Fee | None |
| Credit Needed | Good to Excellent |
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 TexasAustin, 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.
RBFCU Business Select Mastercard® Rewards Calculator
<p>Enter your average monthly credit card spending to find your potential annual rewards value for this credit card.</p>
Your potential annual reward earnings are:
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
| Intro APR | 0% on purchases |
|---|---|
| Regular APR | 16.74% - 28.49% Variable |
| Annual Fee | No annual fee |
| Credit Needed | Excellent, Good |
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
| Intro APR | 0% intro on purchases for 12 billing cycles |
|---|---|
| Regular APR | 17.24% - 26.24% Variable |
| Annual Fee | $0 |
| Credit Needed | Excellent, Good |
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, 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 interestIt 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
| Intro APR | 0% Intro APR on Purchases for 12 months |
|---|---|
| Regular APR | 16.99% - 24.99% Variable |
| Annual Fee | $0 |
| Credit Needed | Good - Excellent |
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 1.5% 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.
Fit Small Business has partnered with CardRatings for our coverage of credit card products. Fit Small Business and CardRatings may receive a commission from card issuers.
To see rates & fees for the American Express cardsFit Small Business may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened. mentioned in this article, reference the following links below:
American Express Blue Business CashTM Card
