Business Select Mastercard Credit Card - 2 Percent Cash Back Rewards on Every Purchase | RBFCU - Credit Union

Business Select Mastercard Credit Card - 2 Percent Cash Back Rewards on Every Purchase | RBFCU - Credit Union
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app
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Get
Business Select Mastercard
Credit Card
Get 2% cash-back rewards on all of your business purchases.
The RBFCU Business Select Mastercard will make your business more profitable when you earn unlimited 2% cash-back rewards on every purchase, every time. Plus, enjoy extra benefits including time-saving business-management tools, digital card management and peace of mind knowing we’re protecting you from identity theft and fraudulent purchases. The Business Select Mastercard includes:
No Annual Fee
No Foreign Transaction Fees
$1 Million in Travel Accident Insurance
Get access to operational solutions that will help your productivity.
When you can focus on what you do best, you get more done. The RBFCU Business Select Mastercard can help you increase your everyday efficiency with exclusive savings on financial tools, tax preparation solutions and more. Plus, you
earn unlimited 2% cash-back rewards on every
purchase.
Intuit® Small Business Tools
Easily manage income, expenses, payroll
and more all in one place with
QuickBooks
Online.
Microsoft Advertising
Attract more customers with $125 in
advertising credit after spending only
$10 with Microsoft Advertising.
Zoho Social
Build, manage and measure your
business’ reach across social networks —
save 50% on your first year’s
subscription.
*Exclusive offers available upon Business Select credit card activation.
Get peace of mind with your RBFCU Mastercard.
The Business Select Mastercard helps protect you and the purchases you make with the following benefits and features:
Mastercard ID Theft Protection™
Detection and protection against identity theft, including
monitoring, alerts and expert resolution.
Contactless and Mobile Wallet Payments
Adds additional security with the use of
tokenization
to
mask your actual card number.
Introductory APR Offer
Membership eligibility required. Credit cards are subject to credit approval. Program availability, rates and terms are subject to change. The 2.9% Annual Percentage Rate (APR) is a promotional rate for only Balance Transfers and Cash Advances made during the first 90 days your account is open. Purchases are not included. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers on the transaction date. Promotional rate balances will remain at 2.9% APR for twelve billing cycles starting from the date of the initial Balance Transfer or Cash Advance request. Beginning with the thirteenth billing cycle, any remaining balance will be repriced to an APR of
% for a Business Select card based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate. Cash-back rewards are not earned on Balance Transfers or Cash Advances. Balance Transfers may not be used to pay RBFCU accounts. A fee equivalent to 2% of the amount of each Cash Advance and Balance Transfer will be assessed. This will be charged separately from the amount of your Cash Advance or Balance Transfer request.
Take your business to new heights.
Enjoy the card that helps you optimize your business and also includes exclusive benefits and promotions.
Authorized Users
Assign cards to multiple authorized employees and set specific spending limits for each individual. This gives you the ability to maintain an overall credit limit for your business while giving your trusted employees freedom to use the cards on your behalf.
Simplified Billing
Customize your billing breakdown for simplicity and ease of payment. You can have bills itemized by user so you can easily review what each authorized employee spends.
Cardholder Promotions
Stay updated
on the latest promotions, exclusive offers, contests, sweepstakes, giveaways and more available
to RBFCU Mastercard cardholders.
Redeem your cash-back rewards at any time.
With an RBFCU Business Select Mastercard, you earn unlimited 2% cash-back rewards on every purchase, every time. Plus, you control how you redeem your rewards:
Statement credit
Pay with points
Gift cards
Travel
Merchandise
For instructions on how to redeem your cash-back rewards, review the following
FAQs
Get valuable rebates when you use your RBFCU Business Select Mastercard with Mastercard Easy Savings
Take advantage of automatic rebates
at more than
50,000 merchants
when you use the
RBFCU Business Select Mastercard Credit Card
There’s no enrollment fee, no coupons and no codes.
Transactions must be processed as a credit to qualify.
Your savings will be applied to your RBFCU business account each month —
automatically
Click here for frequently asked questions
about Mastercard Easy Savings.
Purchases must be processed as a credit transaction. Sign or select “credit” when using your Business Select credit card. If prompted for PIN, select cancel and sign.
Use your RBFCU Business Select Mastercard to qualify for these rebates:
Drive and save
Save 1% on fuel at over
19,000 gas stations
Dine and save
Save 4% at over
20,000 top dining destinations.
Stay and save
Save 4% at over
5,000 hotels.
Manage and save
Save 2%-20% on a
range of business services.
Travel and save
Save 5% on car
rentals.
Buy and save
Save on everyday purchases at more than
50,000 participating merchants
nationwide.
Enhanced Travel Offers and Experiences
Priceless Experiences®
Share in-person experiences with your clients in the world of dining, sports, entertainment and more in over 45 exciting destinations around the world.*
Priceless Golf®
Enjoy discounted access to golf courses, complimentary grounds passes for PGA Tournaments, access to domestic and international golf travel packages.*
Business Select Credit Card
More Details
Important card documents
Business Select Mastercard Pricing Terms and Agreement Billing Rights & Credit Card Disclosure
Guide to Benefits for Business Select Mastercard Cardholders: Worldwide Automatic Travel Accident & Baggage Delay
Credit Cards Calculators
How much cash back will I earn on a 2% cash-back rewards card?
How long will it take to pay off my credit card balance?
How do my interest rate and payments affect my credit card balance?
Should I consolidate my credit cards?
What is my business worth today?
Credit Cards FAQs
I have a personal credit card with RBFCU. How is it different from a business credit card?
An RBFCU Business Select Mastercard Credit Card provides a 2% flat cashback earning potential without a ceiling or tiered system. This card is designed to support the unique needs of a business by offering features tailored to handle different aspects of a business credit card such as multiple employee cards with designated limits under a master account limit. A different card number is issued to each employee, which will not interrupt the use of the account should an employee lose a card, or if an employee leaves the company and requires termination of the card.
I currently have a personal credit card that I use for my business. How do I convert to a business credit card?
You may keep your existing credit card for non-business use and/or apply for a business credit card to solely track business expenses. To apply for a business credit card call us at
210-945-3800
How do I add an authorized user to my business credit card?
To add authorized RBFCU Business Select credit card users to your account, call our Payment Services Team at
210-637-4571
or chat with a representative through
your Online Banking account
to begin the process. You’ll need to include the authorized user’s name and the limit you would like them to have. Our Business Solutions Specialists will let you know any additional specific information you will need to provide.
How do I create spending limits for authorized business credit card users?
To set spending limits for authorized business credit card users, call our Payment Services Team at
210-637-4571
or
sign in to your Online Banking account
to chat with a representative.
Who in my business can cash out business credit card rewards?
The person designated as your account administrator may cash out rewards.
How do I redeem my cash-back rewards?
World Cash Back and Business Select cardholders
You can access your cash-back rewards balance through
your Online Banking account
or the
RBFCU Mobile
app
. You may redeem and receive your accrued cash anytime via:
Deposit to your RBFCU checking account
Statement credit
Pay with points
Gift cards
Travel-related purchases
Merchandise
The maximum redemption amount is $2,500 per card, per day. Any
unredeemed cash-back rewards will continue to accumulate.
Rewards access subject to account status and other criteria at the time of redemption.
How do I register for uChoose Rewards?
To register for uChoose Rewards
for your World Cash Back or Business Select Mastercard
credit card, follow these instructions:
Online Banking
Sign into your Online Banking account
Navigate to “Credit Cards”
Select your World Cash Back or Business Select credit card
Select “View Transactions”
Under Statements, select uChoose Rewards or select the top left menu (☰) and find/select “Rewards”
Click to continue to the uChoose Rewards URL
RBFCU Mobile
app
Sign into the mobile app with your banking credentials
Navigate to “Credit Cards”
Select your World Cash Back or Business Select credit card
Select “View More”
Under Statements, select uChoose Rewards or tap the top left menu (☰) and find/select “Rewards”
Tap to continue to the uChoose Rewards URL
How do I redeem my cash-back rewards as a statement credit?
Sign in to Online Banking
Select your cash-back credit card
Select “Cash Back Rewards” on the Credit Card Activity page to visit uChoose Rewards
Choose “Statement Credit” under “Redeem Your Cash”
Type in the desired statement credit amount (cannot exceed your cash-back balance)
Select “Redeem”
How do I redeem my cash-back rewards to pay with points?
Sign in to Online Banking
Select your cash-back credit card
Select “Cash Back Rewards” on the Credit Card Activity page to visit uChoose Rewards
Choose “Pay with Points” under “Redeem Your Cash”
Select “PayPal Pay with Rewards”
Link your RBFCU cash-back credit card
After your card is linked, you can use your card to check out with PayPal, and use your available rewards on purchases
How do I redeem my cash-back rewards to purchase gift cards?
Sign in to Online Banking
Select your cash-back credit card
Select “Cash Back Rewards” on the Credit Card Activity page to visit uChoose Rewards
Choose “Gift Cards” under “Redeem Your Cash”
Select your desired gift card from the catalog of available merchants
Select the gift card amount (cannot exceed your cash-back balance)
Add to Card and complete purchase
How do I redeem my cash-back rewards for travel-related purchases?
Sign in to Online Banking
Select your cash-back credit card
Select “Cash Back Rewards” on the Credit Card Activity page to visit uChoose Rewards
Choose “Merchandise” under “Redeem Your Cash”
Search and select the desired travel request
Click “Proceed to Checkout” to complete order
Please note you must have enough cash-back rewards to pay 50% of the total cost of the reward purchase. You will be presented with an alternative payment method to pay the remainder of the purchase once you have satisfied the 50% reward minimum.
How do I redeem my cash-back rewards for merchandise?
Sign in to Online Banking
Select your cash-back credit card
Select “Cash Back Rewards” on the Credit Card Activity page to visit uChoose Rewards
Choose “Merchandise” under “Redeem Your Cash”
Select the desired item(s) from available options and “Add to Cart”
Click “Proceed to Checkout” to complete order
Please note you must have enough cash-back rewards to pay 50% of the total cost of the reward purchase. You will be presented with an alternative payment method to pay the remainder of the purchase once you have satisfied the 50% reward minimum.
Business Checking
Business Accounts
Business Services
Business Loans
Membership eligibility is required. Credit cards are subject to credit approval. Rates and terms 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. Cash-back rewards are redeemable online through the uChoose Rewards
program. Cash-back 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.
*Exclusive offers available upon Business Select credit card activation.
1. Intuit
Small Business Tools
See offer terms and conditions at
intuit.me/quickbooks_mc.
Offer available to new customers only. Terms, conditions,
pricing, special features, and service and support options subject to change without notice.
See QuickBooks Online Payroll Discount Offer terms and conditions at
intuit.me/quickbooks_mc.
Existing QuickBooks customers are not eligible to receive this offer.
Terms, conditions, pricing, special features, and service and support options subject to change without notice.
2. Microsoft Advertising
For each new Microsoft Advertising customer, a credit of $125.00 will automatically be applied to the customer’s Microsoft Advertising account once such customer has spent $10.00 on Microsoft Advertising using a Mastercard
small business credit, debit or prepaid card. The $125.00 credit will be applied to each participating customer’s Microsoft Advertising account after such customer has spent $10.00 in accordance with the Offer terms. Additionally, the $125.00
credit must be redeemed within 90 days of award. Valid in the U.S. for new customers only. A new customer is a customer that has not had an active Microsoft Advertising account before.
3. Zoho Social
Terms and conditions apply. The offer is valid only for Mastercard Small Business cards issued in the United States. The offer is not applicable to existing Zoho customers and applicable only to new customers. The offer is valid only
for the first-year subscription and not for subsequent renewals. Price is listed in U.S. dollars. The offer is nontransferable and cannot be exchanged for cash, check, or any form of credit. Mastercard is not responsible for the provision of any Zoho
services. No two offers can be combined and no additional discount or offer will be applicable. The offer is for a limited time and subject to change without further notice.
4. Mastercard ID Theft Protection™
Certain terms, conditions, and exclusions apply. Cardholders need to register for this service. This service is provided by Generali Global Assistance Inc. Please visit
mastercardus.idprotectiononline.com
for details, or call
1-800-Mastercard
1-800-627-8372
).
5. Mastercard Easy Savings
Program subject to change without notice. Restrictions apply. Rebates currently available for qualifying eligible purchases made with an RBFCU Business Select credit card. Participating merchants and rebate
offers subject to change. You’ll receive Mastercard Easy Savings Program rebates on top of merchant discounts.
Click here for Mastercard Easy Savings terms and conditions
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