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Cash Rewards from TDECU

Cash Rewards from TDECU

The credit card rewards are yours.
You choose when to redeem them.

Interested in earning cash rewards?

Apply for the Onyx Mastercard® from TDECU and start earning 2% cash rewards on everyday purchases.2 With no annual fee and rates as low as 9.50% APR2, our Onyx credit card is the smart choice for those looking for more return from a cash rewards card.

Get more from your credit card purchases

Earning extra cash every day is simple with the Onyx Mastercard® from TDECU.3 Whether you are purchasing groceries, movie tickets, or hitting the latest sales, you will earn 2% cash rewards on every qualifying purchase.1

And now, tracking and redeeming your cash rewards is just as simple. With Cash Rewards, you can log in to the TDECU Digital Banking app and:

  • Redeem your cash rewards at any time, from anywhere.
  • Apply your cash rewards to your current credit card account.
  • Check your current rewards balance.

Earn cash rewards in three easy steps

You can use your rewards as you go or save them for when you want to apply them to your bill.


Every time you make a qualifying purchase, you will earn 2% cash rewards.3


When you want to apply your cash rewards as a statement credit.


The statement credit will post to your account within 1-2 business days.

Need to enroll in TDECU Digital Banking?

Create your online account today to enjoy Cash Rewards and other great features.

Get started with Cash Rewards today!

No enrollment or additional login required. Just sign in to TDECU Digital Banking to get started.

To redeem your rewards using our mobile app:

  1. Log in to your account.
  2. Tap on Menu.
  3. Tap on Service Center.
  4. Tap on Card Management.
  5. Select your credit card.
  6. Tap on Cash Rewards.
  7. Tap on Redeem Rewards.
  8. Enter the reward amount and click Continue.
  9. Confirm the amount and tap Authorize.

To redeem your rewards using our desktop app:

  1. Log in to your account.
  2. Click on Service Center.
  3. Select Card Management.
  4. Click on Card Details for your credit card.
  5. Select Cash Rewards
  6. Click on Redeem Rewards.
  7. Enter the reward amount and click Continue.
  8. Confirm the amount and click Authorize.

Cash Rewards Frequently Asked Questions

What is the Cash Reward program from TDECU?

Cash Rewards is our new program for card holders to earn a percentage of each purchase when they make qualifying purchases. Onyx card holders earn 2% Cash Rewards. Visa Platinum card holders earn 0.5% Cash Rewards.

What credit card types qualify for the Cash Rewards Program?

The TDECU Onyx Mastercard® and Visa Platinum credit cards qualify for the program.

What are qualifying purchases?

Effective October 1, 2021, qualifying purchases are purchases that post to your account, less any purchase credits, returns, or other adjustments that are not payments.

Qualifying purchases do not include balance transfers, cash advances, ATM cash disbursements, money transfers, gaming transactions, tax payments, finance charges, fees, or purchases of other cash equivalents, even if used to purchase goods or services. Transactions that are not qualifying purchases do not earn Cash Rewards.

Do you have to enroll in the Cash Rewards program?

No, your card will begin accruing Cash Rewards automatically.

Where will you be able to see and redeem your current Cash Rewards balances?

Log in to TDECU Digital Banking or review the bottom of your monthly credit card statement to view current Cash Rewards balances. Log in to TDECU Digital Banking for direct access to redeem your Cash Rewards.

To enroll in TDECU Digital Banking, click here.

What options are available to redeem points?

You can redeem your Cash Rewards as a statement credit.

How long will it take to receive the statement credit?

Your credit will be posted within 1-2 business days.

How often can you redeem your Cash Rewards?

You can redeem anytime, with a $5 minimum Cash Rewards available balance.

Can you make a payment with Cash Rewards?

Redemptions are posted as a statement credit and do not count towards your payment due. You will still be responsible for making the minimum monthly payment by your due date.

Do Cash Rewards expire?

No, the Cash Rewards do not have an expiration date.

1 APR = Annual Percentage Rate.

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 The Visa Platinum credit card is a legacy TDECU card and earns 0.5% Cash rewards on all qualified purchases. The TDECU Onyx Mastercard is an option if you are a Visa Platinum credit card card holder and would like to apply.

Download our Cash Rewards Terms and Conditions