My Quest for the Buc-ee’s TDECU Credit Union MasterCard

by joeheg

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 Chase Sapphire Reserve, because of the travel benefits. I keep still others because of the specific perks I get – the Chase Disney Visa is a good example.

However, there’s one more card that I’ve wanted for years, for no good reason. I’ve held off but now the card is even better than before.

a chipmunk with a hat on a cell phone

My Desire for the Buc-ee’s Credit Card

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.

Benefits and Features of the Buc-ee’s TDECU Credit Union MasterCard

I mean here’s a list of the benefits of the card:

  • 0% Introductory APR on Purchases for six months
  • $2,000 minimum Line of Credit
  • 0% Introductory APR for Balance Transfers for twelve months
  • 7.99% – 17.99% APR
  • $100,000 Travel Accident Insurance
  • ID Theft Protection
  • Baggage Delay Insurance
  • MasterCard® Global Service
  • No currency conversion charges
  • 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 card doesn’t give me any benefits I value. It doesn’t earn airline miles, transferable points or even cashback as a perk.

However, a new benefit was recently added to the card.

Cardholders save 5% in-store and at the pump at Buc-ee’s.

a large stuffed animal in a store

Previously, the card only provided a 10-cent per gallon discount on fuel purchases. I’d much rather save 5% on all of the food and merchandise that we buy when we visit Buc-ee’s (Note from Sharon: He makes it sound as if we buy ALL THAT MUCH from Buc-ee’s. OK, on second thought, yeah, we do).

Eligibility Requirements for TDECU Membership

I’ve been looking at this card for years and I passed for several reasons. 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 either the Greater Houston, Victoria, Dallas-Fort Worth or Gulf Coast areas.

You’re also eligible for TDECU Membership if you’re a resident of the state of Texas and are an existing member of, or you agree to join, the Texas Consumer Council (TXCC).

I haven’t been applying for many new cards and we’re both below 5/24 right now so I’m able to “waste” a spot. I looked at the rules closer and found two possible routes to join TDECU, both of which are legit. Am I really going to apply for a Buc-ee’s credit card?

Is It Worth Applying for the Buc-ee’s Credit Card?

This reminds me of when I really wanted to have Mickey Mouse checks. Remember when we all used to write out checks to pay bills? Way back when (I’m talking the 90s or maybe even earlier), SunTrust in Florida (now Truist) 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 ordering them from 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!

Before, the Buc-ee’s credit card is just something I wanted.  Now, I could save some money by having it in my wallet.

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.

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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.

Deva November 11, 2023 - 7:10 am

My only quest is to actually Go to a Buccees. Living in the NE there are none here. And when we do go out Midwest or down South we haven’t had the opportunity to work a visit in to one.

Lynn November 12, 2023 - 12:29 pm

I see this advertised every time I’m at the pump. I’m a huge Buc-ees fan but this card is just not necessary – I already get a minimum of 4% cash back on gas with my Costco Citi card. I also take advantage of rotating quarterly bonuses from Citi & Chase and get 5% cash back or 5x Chase Ultimate Rewards points. (right now I’m using a Chase Hyatt card for gas and earning 5x Hyatt points which I value at almost 2 cents each, so almost 10% rebate there).

So unless they offer a signup bonus (I wish!) I’m skipping this one.


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