The TDECU Onyx Mastercard® is a top choice for individuals seeking to maximize returns on everyday purchases. It offers unlimited 2% cashback on qualifying purchases without any annual fee.
Beyond the attractive rewards, the card ensures secure transactions with built-in fraud protection and advanced security features. Its competitive rates and simple cashback program add extra convenience and value.
Additionally, cardholders enjoy travel benefits and global acceptance, making it a reliable option for both domestic spending and international trips. This card is ideal for those who prioritize efficiency, savings, and everyday financial control.
Meet the Issuer
TDECU is a trusted credit union offering accessible, personalized financial services designed to support its members’ goals. With a focus on quality service, it delivers advantageous and flexible products.
The Onyx Mastercard® is among TDECU’s premium card offerings, created for members seeking to maximize everyday rewards efficiently. Its straightforward 2% cashback structure ensures clarity and ease of use.
Paired with competitive rates and enhanced security features, this card embodies TDECU’s mission to provide genuine value. It’s an excellent fit for those wanting rewards without complications.
Main Benefits of the Card
Unlimited 2% Cashback: Earn 2% cashback on all qualifying purchases, with no accumulation limits or rotating categories.
0% Introductory APR: Enjoy 0% interest on purchases made during the first six months of account opening.
No Annual Fee: Keep your card active without worrying about annual fees.
Competitive APR: After the introductory period, the APR ranges between 14.49% and 17.99%, depending on your credit profile.
5% Discount at Buc-ee’s: Save 5% on fuel and product purchases at participating Buc-ee’s locations.
Fraud Protection: Benefit from zero liability on unauthorized transactions and continuous security monitoring.
Travel Benefits: Includes baggage delay coverage, travel accident insurance up to $100,000, and worldwide card acceptance.
No Currency Conversion Fees: Make international purchases without additional currency conversion costs.
Global Access: Use your card at millions of merchants worldwide, with 24-hour support.
TDECU App: Manage your card, track expenses, and pay bills through the TDECU mobile app.
Tdecu Onyx: Fees and Commissions
The TDECU Onyx Mastercard® has no annual fee, allowing you to enjoy all its benefits without added costs. For the first six months after account opening, you will benefit from a 0% APR on purchases. After this period, the APR will be variable between 14.49% and 17.99%, based on your credit evaluation.
For balance transfers completed within the first 30 days, a 0% introductory APR is available for 12 months. Afterward, standard rates apply. All rates and fees are subject to change. Always check the TDECU website for the most updated information before applying.
Card Limit
The credit limit is determined based on the applicant’s financial profile, considering factors such as credit history, income, and their relationship with TDECU.
Members with a strong credit record can receive higher initial limits, giving them more purchasing flexibility and maximizing the card’s benefits. TDECU also conducts periodic reviews, allowing credit limit adjustments as members continue to use the card responsibly.
Positive points
- Flat 2% Cashback:Earn a reliable 2% cashback on every purchase, ensuring steady rewards without category restrictions or caps.
- No Annual Fee:All card benefits are accessible with zero annual maintenance costs, offering excellent long-term savings.
- Exclusive Buc-ee’s Savings:Get a 5% discount at participating Buc-ee’s locations, providing extra value for frequent visitors.
Negative points
- Credit Requirements:Requires a strong credit history, making it less accessible for applicants with poor or limited credit profiles.
- No Welcome Bonus:Unlike competitors, the card does not offer any upfront rewards for new cardholders.
- Limited Travel Perks:While some travel protections are included, the card lacks luxury travel perks often found on premium cards.
How to Apply for Tdecu Onyx Credit Card
- Visit the official TDECU website.
- Navigate to the credit cards section.
- Select the Onyx Mastercard®.
- Click on “Apply Now” to begin your application.
- Complete the form with your personal and financial details.
- Review the information carefully and submit your application.
- Await TDECU’s credit analysis and response.
- Once approved, your card will be mailed to your registered address.
How to Contact Tdecu Onyx
- Phone: 1-800-839-1154
- Online Chat: Available on the official website
- TDECU App Support: Assistance via the TDECU mobile app
- Email: Through the secure internet banking platform
The TDECU Onyx Mastercard® is the ideal option for those wanting to maximize returns on daily purchases with a straightforward cashback program. Apply today and start earning cashback on every purchase without complications.