Home Credit Cards Two Years Later And I Still Want The Buc-ee’s TDECU Credit Union MasterCard. Here’s Why.

Two Years Later And I Still Want The Buc-ee’s TDECU Credit Union MasterCard. Here’s Why.

by joeheg

I have many travel credit cards to my name (even more if you count the ones that Sharon has). I keep some of them, like the American Express Everyday Preferred, because they earn a lot of points. I have other cards, such as the Citi Prestige and the Chase Sapphire Reserve, because of the travel benefits they offer. I keep even others because of the very specific perks I get – the Chase Disney Visa is a good example of that.

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.


Show your Texas pride and add the beaver to your wallet

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 cashback as a perk. It does offer 10 cents per gallon rebate on all fuel purchases at Buc-ee’s but until a Buc-ee’s opens in Central Florida (right now St. Augustine and Daytona and Ft. Myers are strong future possibilities), that doesn’t do me much good (all other Buc-ee’s locations are in Texas, except for one in Alabama and there’s one that’s going to open in Georgia eventually). 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:

  • 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
  • lives, works, worships or attends school in one of the following counties in Texas
    • Bastrop
    • Bexar
    • Blanco
    • Brazoria
    • Caldwell
    • Calhoun
    • Collin
    • Comal
    • Dallas
    • Denton
    • DeWitt
    • Fayette
    • Fort Bend
    • Galveston
    • Goliad
    • Gonzales
    • Guadalupe
    • Harris
    • Hays
    • Jackson
    • Kendall
    • Lavaca
    • Lee
    • Matagorda
    • Montgomery
    • Refugio
    • Tarrant
    • Travis
    • Victoria
    • Williamson

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 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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This post first appeared on Your Mileage May Vary



Jeremy Wilson April 1, 2019 - 10:22 am

I was literally thinking the exact same thing I was doing research about it because I have never heard of the bank and found your post. Don’t think I will pull the trigger either because I already have 25 cards for every category and have no need for it. Just want it. Nearest Buc-ee’s is around 20 minutes out of the way so I would never go but it I almost tried it if anything for the intro period of interest free purchases for the 6 months but even that I have on my discover.

Brian September 14, 2019 - 8:52 pm

Eligibility rules state that if you worship in one of those counties, you are eligible. All you need to do is join a church.


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