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Onyx Mastercard<sup>&reg;</sup><br>from TDECU

Onyx Mastercard®
from TDECU

Earn unlimited 2% Cash Rewards on your everyday purchases2

You deserve to be rewarded

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:


Introductory APR4



On Qualifying Purchases2


Annual Fee

Note: TDECU Credit Cards are available based on Membership eligibility. Confirm eligibility here prior to application. The Buc-ee's 5% or 10¢ discounts are not available in Alabama or Florida due to tax laws in these states.

Onyx Mastercard® Cash Rewards Calculator

Average monthly spending
Ready to reward yourself for making everyday purchases?

Apply for your Onyx Mastercard® today

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
Statement Copy $5
Rush card delivery $37.50

Say goodbye to high-interest rate credit cards and transfer your balance to a TDECU credit card

Onyx Mastercard® Frequently Asked Questions

How old do you need to be to apply for a credit card?

You must be at least 18 years of age to apply for a credit card.

What information does TDECU require when I apply for a credit card?

You will need to provide information such as your Social Security number, date of birth, employment information and income details.

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?

Annual Percentage Rate. Credit cards state the interest rate as an annual rate. This indicates how expensive a transaction will be if you finance it over that time. To avoid paying interest, you can take advantage of your grace period by making your payments on time.

What is the grace period?

The grace period is the time during which you’re allowed to pay your credit card bill without having to pay interest, as long as you pay your balance in full. This is a period between the end of a billing cycle and the date your payment is due. TDECU’s grace period is 25 days.

Do TDECU credit cards charge annual fees?

No, none of our 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.
Introductory rate good until the first day of the billing cycle that includes the six-month anniversary date of the opening of your account.
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.

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