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 2% cash back on all qualified purchases2 with no annual fee and rates as low as 9.50% APR1. Onyx cardholders also receive the same great services and benefits as our other TDECU credit cards, including saving 10¢ per gallon when you buy fuel at participating Buc-ee’s locations3.
Put cash back in your pocket
A cash rewards credit card is a great way to get money back every time you shop. Want to know how much you could earn at the end of the year with our Onyx Mastercard®? Use our cash rewards calculator!Calculate My Rewards
Credit limit & purchase rate
- $2,000 minimum credit line
- 9.50% - 17.50% APR for purchases
- No annual fees, penalty pricing, or cash advance fees
Minimum payment & 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
- Worldwide acceptance and ATM access
- Baggage Delay Insurance
- $100,000 Travel Accident Insurance
- No currency conversion charges
- Mastercard® global services
Account & purchase protection
- Zero liability protection
- Free identity theft protection
Annual Purchase Rates & 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.|
|Late Payment Fee||Up to $25|
|Returned Payment Fee||Up to $25|
|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?
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-ees fuel purchase. Non-Qualifying Purchases do not earn any Rewards.
3 Buc-ee’s fuel discount offer is available at participating locations, subject to end without notice, and is 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.
For details or questions call Mastercard Assist at 800-622-7747
Download Agreement and Disclosure here.
Download Onyx Rewards FAQ here.