Onyx Mastercard®
from TDECU
Earn unlimited 2% Cash Rewards on your everyday purchases2
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 14.49% 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 Purchase APR4
for the first six months
Rewards
2%
On Qualifying Purchases2
$0
Annual Fee
14.49% - 17.99%
APR for purchasesAdditional Benefits
No annual fees or cash advance fees
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 and Interest Charges | |
|---|---|
| Annual Percentage Rate (APR) for Purchases | 0% introductory APR for purchases made within the first six months that your account is opened. After that, your Standard Rate APR will be: Onyx Mastercard 14.49% - 17.99% This APR will vary with the market based on the Prime Rate. |
| APR for Balance Transfers | 0% introductory APR for the first twelve months on balance transfers processed within the first 30 business of account opening. After that, your Standard APR will be: Onyx Mastercard 14.49% - 17.99% This APR will vary with the market based on the Prime Rate. |
| APR for Cash Advances | Onyx Mastercard 14.49% - 17.99% This APR will vary with the market based on the Prime Rate. |
| Penalty APR and When it Applies | 17.99%. This APR will vary with the market based on the Prime Rate. We may apply the Penalty APR to your account if you:
|
| Paying Interest | Your due date will be a minimum of 25 days after the close of each billing cycle. We will not charge you interest on new purchases if you pay your entire balance by the due date each month. We will begin charging interest on balance transfers and cash advances on the transaction date. |
| 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 website of the Consumer Financial Protection Bureau at https://www.consumerfinance.gov/learnmore |
| Fees | |
|---|---|
| Annual Fee | None |
| Penalty Fees | |
| Late Payment Fee | Up to $25.00 |
| Returned Payment Fee | Up to $25.00 |
| Transaction Fees | |
| Balance Transfer Fee | Up to 5% of the balance transfer amount. |
| Phone Payment Fee | A fee of up to $10.00 is charged when making a payment by phone. |
| Rush card delivery | $37.50 per plastic for rush cards |
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 7-10 days 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?
Where can I learn more about the Onyx Cash Rewards?
Please refer to our Cash Rewards page for more information about the Onyx Cash Rewards!
Does the TDECU Onyx Mastercard get Buc-ee's Benefits?
Yes! The TDECU Onyx Mastercard gets 5% discount at participating Buc-ee's locations.
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 offer is subject to end without notice, and is not valid with other discounts. Other restrictions may apply. Learn more about the Buc-ee's Credit Card Benefits Program.
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 0% introductory APR for the first twelve months on balance transfers processed within the first 30 business 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
If you opened your account before December 1, 2024, click here to see or review your disclosure.
If you opened your account after December 1, 2024, click here to see or review your disclosure.
Download Onyx Cash Rewards FAQ here.