I have many travel credit cards to my name (even more if you count the ones Sharon has). I keep some of them, like the American Express Blue Business Plus, 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. 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.
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*
- $100,000 Travel Accident Insurance
- ID Theft Protection
- Baggage Delay Insurance
- MasterCard® Global Service
- Year-end Charge Summary
- No Penalty Pricing, Annual Fee, Cash Advance Fee
- 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
In short, this isn’t a card that gives me any benefits I 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 and we’re just about to get our first two Florida Buc-ee’s in St. Augustine and Daytona. We just drove past one and it’s almost finished.
That still doesn’t do me much good (most other Buc-ee’s locations are in Texas, except for ones in Alabama and Georgia.) In fact, all TDECU cards offer a discount on Buc-ee’s fuel, not just the Buc-ee’s card. But I still want one.
I’ve been looking at this card for years and there are several reasons I passed. I didn’t want to burn an application on the card and I didn’t think I’d ever become eligible for one, so it wasn’t a consideration.
TDECU membership is open to anyone over the age of 18 who:
- is a family member of a current TDECU member
- lives within a 10-mile radius from a TDECU Member Center
- 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
- Fort Bend
With COVID-19 cutting down on travel, I’ve also slowed down with the credit card applications. In fact, I’m way below 5/24 right now. So far below that I’m able to “waste” a spot. With a chance, I looked closer at the rules and I can find two possible routes to join TDECU, both of them totally legit. Am I really going to apply for a Buc-ee’s credit card?
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 even if it’s to buy gas at Buc-ee’s a few times a year.
I’m not actually recommending this card to anyone else. My desire to have it has no basis in reality. But if you want to apply, the sign-up page is here.
Want to comment on this post? Great! Read this first to help ensure it gets approved.
#stayhealthy #staysafe #washyourhands #wearamask
Like this post? Please share it! We have plenty more just like it and would love it if you decided to hang around and get emailed notifications of when we post. Or maybe you’d like to join our Facebook group – we have 17,000+ members and we talk and ask questions about travel (including Disney parks), creative ways to earn frequent flyer miles and hotel points, how to save money on or for your trips, get access to travel articles you may not see otherwise, etc. Whether you’ve read our posts before or this is the first time you’re stopping by, we’re really glad you’re here and hope you come back to visit again!
This post first appeared on Your Mileage May Vary