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I have many travel credit cards to my name (even more if you count the ones that Sharon has). I keep some of them because they earn a lot of points like the American Express Everyday Preferred. I have other cards because of the travel benefits they offer like the Citi Prestige and the Chase Sapphire Reserve. I keep even others because of the very specific perks I get, like the Chase Disney Visa.
It’s rare that I come across a credit card that I’ve never heard about and even rarer that I find a card I want to have for no rational reason at all. But leave it to me…I found one.
I want to have the Buc-ee’s TDECU Credit Union MasterCard!!!
I mean, I really want to have one. I know there’s no rational reason for this. All the other cards I have fit a need or serve a purpose and this card doesn’t offer anything I don’t already have. I mean, here’s a list of the benefits of the card:
As a cardholder, you will enjoy these features:
- 0% Introductory APR1 on Purchases for six months
- $2,000 minimum Line of Credit
- 0% Introductory APR2 for Balance Transfers for twelve months2
- 7.99% – 17.99% APR*
- $1 Million Travel Accident Insurance
- Price Protection
- ID Theft Restoration Services
- Baggage Delay Insurance
- Extended Warranty
- MasterCard® Global Service
- Year-end Charge Summary
- No Penalty Pricing, Annual Fee, Cash Advance Fee, Balance Transfer Fee, Over Credit Limit Fees, Default APR or Minimum Finance Charges
- Minimum Payments as low as 2% of balance (minimum $18)
- Convenient Payment Options
- 25-day Interest-Free Grace Period if balance is paid in full by next payment due date
- Worldwide Acceptance and ATM access
- No Currency Conversion Charges (TDECU pays the charge on your behalf)
While the lack of Currency Conversion Charges is a perk that many other cards lack, this isn’t a card that gives me any benefits I usually value. It doesn’t earn airline miles or transferable points or even cash back as a perk. It does offer 10 cents per gallon rebate on all fuel purchases at Buc-ees but until the Buc-ee’s opens in Daytona that doesn’t do me much good living in Florida (all other Buc-ee’s locations are in Texas). In fact, all TDECU cards offer the discount on Buc-ee’s fuel, not just the Buc-ee’s card. But I still want one.
It’s really the forbidden fruit, anyway, because I don’t qualify to join TDECU (Texas Dow Employees Credit Union). You need to meet the following criteria to belong:
Anyone over the age of 18 who:
- lives, works, worships or attends school in one of TDECU’s membership ZIP codes
- is the family member of a current TDECU member
- is an employee, retiree or family member of an employee of a company TDECU serves
- is a member of an organization TDECU serves
This reminds me of when I really wanted to have Mickey Mouse checks. Remember when we wrote out checks to pay bills? Way back when (I’m talking the 90s or maybe even earlier), SunTrust in Florida offered checks with Mickey Mouse on them and I thought they were the coolest thing in the world. I wanted those checks. I mean, I REALLY wanted them! But you needed to live near a SunTrust bank to open an account and I lived in New Jersey, about 1000 miles away from the nearest branch. By the time I moved to Florida in early 2001, anyone could get Disney checks by sending for them with the ad in the Sunday newspaper (I actually had Disney checks before I moved to Florida). But before then? Oh, I wanted them SO MUCH!
So the Buc-ee’s credit card is just something I want but can’t get. It’s really all right; I’d never use it anyway, except to buy gas at Buc-ee’s once (or maybe twice) a year.
I’m not actually recommending this card to anyone. My desire to have it has no basis in reality. But if you want to apply, the sign up page is here.
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