Buc-ee’s Credit Card Review 2023

5% Discount at Buc-ee’s, But…

The Buc-ee’s Mastercard is a no-annual-fee credit card that gives you a 5% discount on Buc-ee’s purchases, whether you’re talking about gas purchases or purchases inside Buc-ee’s stores. If you’re buying at Buc-ee’s on a regular basis, this is a card you’d definitely want to consider. (The 5% credit card discount program is good at most Buc-ee’s in Texas and other states, but not at Buc-ee’s in Florida and Alabama.)

However, as far as we can tell, the card does not give any type of reward on other purchases you make with the card, so the allure here is mostly (maybe only) the Buc-ee’s discount.

How To Get It

If you want to “carry the power of the beaver right in your pocket” (their words, not ours), you’ll apply for the Buc-ee’s credit card via the card-issuing institution, TDECU, one of the largest credit unions in Texas. However, because TDECU is a credit union, you’ll actually have to become a member of the credit union. Membership is open to people who live or work or go to school in the Houston or Dallas-Fort Worth area, as well as in some other areas of Texas and through certain employers & organizations. (But if you’re not eligible for membership and really want the card, call TDECU to see if there’s a possibility of finding a “backdoor” into the credit union — there often is.)

What Else It Offers

Besides the obvious rewards allure of a 5% discount on all things Buc-ee’s, the credit card also offers:

  • No annual fee
  • $2000 minimum credit limit
  • A 0% APR on purchases for the first 6 billing cycles, which means you can carry balances from month-to-month without paying interest during that time.
  • A 0% APR on balance transfers for 12 months, if the balance transfer is made within 30 days of opening the account. (There could be a one-time balance transfer fee, though, so be sure to check the terms & conditions when you’re approved for the card.)
  • Regular APR (after the 0% APR period) of 7.99%-17.99% — TDECU will decide on the APR you personally receive based on a review of your credit history. Any of these interest rates is fairly competitive in today’s market.
  • Travel benefits including baggage delay insurance and travel accident insurance (when your travel is paid for with the Buc-ee’s credit card). Always read the fine print on travel benefits to understand what is covered and what’s not.

Bottom Line: Is the Buc-ee’s Credit Card Worth Getting?

If you’re stopping at Buc-ee’s on the regular, that 5% discount is nice. Plus, if you don’t get the card, you’ll have to live with the knowledge that you’re paying 5% more than you could be paying. (Although if you use a different rewards credit card, it could partially offset that 5% discount.)

Otherwise, though, the lack of any rewards on purchases outside of Buc-ee’s would make you sad if you used this card elsewhere. So, if you choose to get the Buc-ee’s credit card, you’ll still want to check our list of the best credit cards to find another card or cards that will give you as high as 4% in rewards on purchases at restaurants, grocery stores, and more.

Author: Adam Jusko

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