Editor’s note: This is a recurring post with regularly updated card details.
Randolph-Brooks Federal Credit Union (RBFCU) Business Select Mastercard® is a small business credit card exclusive to RBFCU members. It comes with an introductory APR on balance transfer and cash advance transactions and charges $0 annual and foreign transaction fees. Plus, it lets you earn unlimited 2% cash back on all business purchases.
However, RBFCU has limited branches. It has a physical presence in the following major cities in Texas: Austin, Corpus Christi, Dallas-Fort Worth, and San Antonio.
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 rate the introductory and ongoing rewards first. Then, we consider the annual fees, introductory and ongoing APRs, other fees, and additional card benefits.
Grading Criteria | Card Score | Highest Possible Score |
---|---|---|
Ongoing Rewards | 20 | 25 |
Introductory Rewards | 0 | 25 |
Additional Features | 10 | 10 |
Annual Fee | 10 | 10 |
Introductory APR | 5 | 10 |
Ongoing APR | 10 | 10 |
Other Fees | 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 .
RBFCU Business Select Mastercard® Rewards
- Unlimited 2% cash back on all purchases
- Automatic rebates at more than 50,000 merchants through the Mastercard Easy Savings® program:
- 1% on fuel in over 19,000 gas stations and 5% on vehicle maintenance
- 4% on over 20,000 top dining destinations
- 4% at over 5,000 hotels
- 2% to 20% on several business services
- 5% on car rentals
RBFCU Business Select Mastercard® Rewards Calculator
How To Redeem RBFCU Business Select Mastercard® 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.
You need a minimum of $5 to redeem for a statement credit of $5. Note that you can only redeem up to $2,500 per card, per day, and that unredeemed cash rewards will continue to accumulate.
RBFCU Business Select Mastercard® Features
Cash Management
- Additional authorized users: Primary cardholders can add multiple authorized users to their credit card accounts. To be eligible as an authorized user, the individual must have an existing RBFCU primary savings account in good standing.
- Billing breakdowns: You can customize your bills by maintaining only one credit card account for all your cards. In addition, you can itemize the expenses per user to check the expenses made by authorized users easily.
Mastercard Features
- Fraud monitoring and alerts: RBFCU ensures its cardholders 24/7 monitoring of any possible fraudulent transaction and will notify you as soon as it identifies one.
- Travel accident insurance: RBFCU provides its cardholders $1 million in travel accident insurance.
- Baggage delay: You are entitled to a daily benefit of $100 for three days in case of baggage delay. Note that there are essential items that are not covered, which you can learn more about via Mastercard’s guide to benefits.
- Mastercard ID Theft ProtectionTM: Mastercard offers features, such as identity theft resolution specialists, IDRiskIQ, and Credit Freezing, to protect you against identity theft. Note that certain terms, conditions, and exclusions will apply. Call (800) 627-8372 for more details.
Integrations and Exclusive Discounts
- Access to Intuit® Small Business Tools: Using QuickBooks® Online can help you easily manage your business income, expenses, payroll, and more.
- Microsoft Advertising credits: Get $125 in advertising credit after only spending $10 with Microsoft Advertising.
- Salesforce Essentials: Pay $9.99 per month, per user, to build stronger customer relationships with Salesforce.
- Zoho Social: Receive a 50% discount on your first year’s subscription with Zoho Social.
RBFCU Business Select Mastercard® Fees
APR
- Introductory: 2.9% on balance transfers and cash advances for the first 12 months after making a transfer/advance within the first 90 days from the date of account opening
- Ongoing, balance transfers and cash advances: 18% variable, which will adjust with the prime rate
- Penalty: None
Fees
- Annual, foreign transaction, and over-the-limit: None
- Minimum interest charge, annual, balance transfer, foreign transaction, and over-the-limit: None
- Cash advance and balance transfer: 2% of the amount of each transfer/advance
- Late and returned payments: Up to $29
Your due date is at least 25 days after the close of each billing cycle.
How To Make Payments
- 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
American Express Blue Business Cash™
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, 18.49% - 26.49%, 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.
- Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
- No Annual Fee
- Terms Apply
Pros
- 0% introductory annual percentage rate (APR)
- Welcome bonus
- 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.
- 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, 18.49% - 26.49%, 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.
- Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
- No Annual Fee
- Terms Apply
Pros
- 0% introductory annual percentage rate (APR)
- Welcome bonus
- 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.
When To Consider the American Express Blue Business Cash™
- You need to spend over your credit limit: It features Expanded Buying Power, which lets you spend beyond your credit limit. The amount you can spend adjusts based on your card usage, credit score, payment behavior, and other financial factors.
- You don’t want to redeem cash back manually: You will receive cash back rewards as an automatic statement credit on your billing—no need for manual redemption.
Other Benefits
- $0 annual fee
- 0% APR for the first 12 months on purchases
- 2% cash back on the first $50,000 purchases per year, then 1% thereafter
- $250 bonus cash back when you spend $3,000 in the first three months after opening an account
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
BEST FOR:
0% APR for 15 billing cycles
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 19.24% - 28.24%.
- No annual fee.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Pros
- 0% APR applies to both purchases and balance transfers
- Unlimited cash back rewards
- $0 annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- 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.
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 19.24% - 28.24%.
- No annual fee.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Pros
- 0% APR applies to both purchases and balance transfers
- Unlimited cash back rewards
- $0 annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- 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.
When To Consider the U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
- You need a long 0% APR on balance transfers and purchases: With this card, you can transfer a balance from another card or make a large purchase and enjoy a 0% APR for 15 billing cycles.
- You want to receive higher cash back rates on selected categories: It offers 5% cash back on prepaid hotels and car rentals directly booked in the Travel Rewards Center, 3% cash back on eligible purchases at gas and electric vehicle (EV) charging stations, office supply stores, cellphone service providers, and restaurants, and 1% cash back on all other eligible purchases
Other Benefits
- $0 annual fee
- $100 annual statement credit for recurring software subscriptions
- $500 bonus cash back when you spend $4,500 within the first 150 days after opening an account
- ExtendPay® Plan feature allows you to divide your eligible balance into monthly installments without interest, just a small monthly fee
Chase Ink Business Unlimited®
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.
When To Consider Chase Ink Business Unlimited®
- You prefer to earn fixed-rate cash back with flexible redemption options: It offers 1.5% cash back on all purchases and 5% cash back on Lyft rides through March 2025, which you can redeem for cash back, gift cards, travel, and more through Chase Ultimate Rewards®.
- You can spend $6,000 in the first three months after opening an account: You will receive $750 bonus cash back when you meet this spending requirement—unlike the RBFCU Business Select Mastercard®, which doesn’t offer any welcome bonus.
Other Benefits
- $0 annual fee
- Branches in over 48 states
- 0% APR on purchases for the first 12 billing cycles
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 doesn’t charge any annual, balance transfer, or 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.