Onyx Mastercard®
from TDECU
Earn unlimited 2% Cash Rewards on your everyday purchases2
Please Note
Due to supply chain disruptions, TDECU Credit Cards may experience delivery delays. You can expect your new card within 6-8 weeks of application approval.
You deserve to be rewarded
Do you love the flexibility of cash rewards? Well, then you should love Cash Rewards from TDECU! With our program, you can track and redeem your credit card rewards directly from the TDECU Digital Banking app. Plus, you have complete control over how and when you cash in on your rewards!
Unlock a world of features and rewards
The Onyx Mastercard® is far from a hyped-up cash rewards program that requires you to spend a lot for little in return. With your Onyx credit card, you can earn unlimited 2% Cash Rewards on all qualified purchases2 with no annual fee and rates as low as 9.50% APR1. Plus, Onyx cardholders receive the same great services and benefits as our other TDECU credit cards, including a 5% discount on fuel and in-store purchases at participating Buc-ee’s locations3.
The Onyx Mastercard® from TDECU features these benefits:
0%
Introductory APR4
Rewards
2%
On Qualifying Purchases2
$0
Annual Fee
9.50% - 17.50%
APR for purchasesCredit limit and purchase rate
- $5,000 minimum credit line
- No annual fees or cash advance fees
- No penalty pricing
Minimum payment and incentives
- Minimum payments as low as 2% of your balance (minimum $18)
- 25–day interest–free grace period if balance is paid in full by the next payment due date
Travel benefits
- Worldwide acceptance and ATM access
- Baggage Delay Insurance
- $100,000 Travel Accident Insurance
- No currency conversion charges
- Mastercard® global services
Account and purchase protection
- Zero liability protection6
- Free identity theft protection
Onyx Mastercard® Cash Rewards Calculator
Annual Purchase Rates and Fees
| Interest Rates & Interest Charges | |
|---|---|
| Annual Percentage Rate (APR) for Purchases | 0% Introductory APR for six months4. After that, the Standard Rate APR will range from 9.50% to 17.50%, based on your creditworthiness. |
| APR for Balance Transfers | 0% Introductory APR for twelve months5. After that, the Standard Rate APR will range from 9.50% to 17.50%, based on your creditworthiness. |
| Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the Consumer Financial Protection Bureau. |
| Fee Charges | |
|---|---|
| Annual Fee | $0 |
| Late Payment Fee | Up to $25 |
| Returned Payment Fee | Up to $25 |
| Duplicate statements | $4 |
| Rush card delivery | $37.50 |
Onyx Mastercard® Frequently Asked Questions
How old do you need to be to apply for a credit card?
What information does TDECU require when I apply for a credit card?
How long will it take to receive my credit card?
You will receive your card 6-8 weeks after you are approved or from when your replacement is requested.
What is an APR?
What is the grace period?
Do TDECU credit cards charge annual fees?
1APR = Annual Percentage Rate. Rates, terms and conditions subject to change. Credit approval required.
2 Qualifying Purchases do not include Balance Transfers, Cash Advances, ATM Cash Disbursements, Money Transfers, Gaming Transactions, Tax Payments, Finance Charges, Fees and purchases of other cash equivalents, even if used to purchase goods or services, any Buc-ee's fuel purchase. Non-Qualifying Purchases do not earn any Rewards.
3 Buc-ee’s fuel and in-store discount offers are available at participating locations, subject to end without notice, and not valid with other discounts. Other restrictions may apply.
4 Introductory rate good until the first day of the billing cycle that includes the six-month anniversary date of the opening of your account.
5 Offer only applied to balance transfer requests received by us within 30 days of account opening.
6 Zero Liability protection from Mastercard provides protection against "unauthorized transactions”.
For details or questions call Mastercard Assist at 800-622-7747
Download Agreement and Disclosure here.
Download Onyx Cash Rewards FAQ here.
