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Business Visa® Platinum

Business Visa® Platinum

A flexible card that gives your small or personal business the credit it needs

At a Glance

Business Visa® Platinum is a convenient and smart way to purchase and track business expenses for small businesses that issue cards to partners, spouses, or key employees (including authorized signatories).


Convenient card management - account holders can get 1-4 cards with the same account number and each purchase by any card goes against a singular company limit.
Consolidated bills and payments - account holders get one bill for all cards on the account, allowing for one convenient monthly payment.
Easy to access and manage - transactions, balances, and statements are available in DCU's Online & Mobile Banking applications.
Accessible account data - a 12 month statement history that can be downloaded into your accounting system.
25-day grace period on new purchases - If the new balance shown on a monthly statement is paid in full by the payment due date, then no finance charge will be imposed on the purchases on that statement.
Mobile wallet compatible - card works with Apple Pay®, Google Pay™, and Samsung® Pay.*









Visa Business Credit Card Rates

Annual Percentage Rate (APR) for Purchases, Balance Transfers, and Cash Advances: 
DCU Visa Business Platinum Credit Cards (Business Basic or Business Plus)
As low as 9.99% 
Prime¹ Plus 5.00% (minimum APR 9.99%)
(See Variable Rate Information below)
Variable-Rate Information Your APR may change monthly. The rate for purchases, cash advances, and balance transfers is determined by adding a "margin" ranging from 5.00% to 13.00% (based upon your credit history) to the Prime Rate.¹
Cash Advance Transaction fee None. There is no grace period on cash advances.
Grace Period for Repayment of NEW Purchases Not less than 25 days on new purchase amounts if the total New Balance is paid in full each month by the Payment Due Date on your billing statement and there is no cash advance activity.
Minimum Payment "Required Payment Due" shown on my statement.
Annual Fees NONE
Payment Processing Payments received by 4 p.m. Eastern time will be credited to your account the next business day. Payments received after 4 p.m. Eastern time will be credited to your account the second business day.
Payments Mail - Address noted on the statement
In Person - Any DCU branch
Pre-Authorized Recurring Transfers (ACH Origination) - Request Form (.pdf format)
Online scheduled payments through MyCardInfo (Business Plus Only)
Minimum Finance Charge NONE
Foreign Currency Conversion Fee NONE
Overdraft Protection DCU Visa Business Platinum Credit Card (Business Basic only) can be used for overdraft protection.
Various Fees

Balance Transfer fee: NONE
Late Payment fee: Up to $45.00 per occurrence
Overlimit fee: Up to $45.00 per occurrence
Return check fee: Up to $25.00 per occurrence

Replacement fee: Up to $25 Rush Fee per card: Up to $45 Same day Rush Fee per card: Up to $75 Statement copy request: Up to $2

¹The Prime Rate used to determine your Annual Percentage Rate (APR) is the Prime Rate as published in the Wall Street Journal at the end of the month immediately preceding the start of each billing cycle.

 At any time your Account becomes sixty (60) days past due in any 24 month period, FINANCE CHARGES on the entire balance will be calculated at the Penalty Pricing Rate of 18% APR. Please contact us at any branch, by email, or by calling 800.328.8797 if you wish to ascertain what changes, if any, have been made to DCU Visa Business Platinum Credit Cards.  

Plan to Use Your Credit Card

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