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What Can DCU Save You?

DCU Visa® Business Platinum Basic Credit Card

A convenient way to pay for everyday business expenses.



  • Features
  • Details
  • Rates
  • Reviews
  • Apply Now
  • Resources

Business Platinum Credit Card

Visa Business Platinum Basic Benefits

  • No annual fee*
  • Low interest rates
  • Maximum line $25,000
  • 25 day grace period on purchases
  • Automatic payment options
  • Cash advance available
  • Overdraft protection
  • 12 month statement history that can be downloaded into your accounting system
  • Compatible with Apple Pay®, Android Pay, or Samsung Pay
  • Available to business members in Massachusetts, New Hampshire, and Rhode Island

Apple, the Apple logo, iPhone, and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.

*APR=Annual Percentage Rate. APR as of  is as low as 9.99%. Your APR will be based on your personal credit history. Rates are variable, tied to the Prime Rate, and can change monthly. For more information refer to DCU's Visa Business Platinum Card Agreement and Disclosure Statement.

"Good Usage."

Open quote Less APR and good service. Easy accessible locations and recommended to all small businesses. Close quote

— Babu, Westborough, MA

Credit Card Benefits Just for Business

With a DCU Business Account here's what you can expect with a DCU Visa Business Platinum Basic Credit Card:

  • No annual fee*
  • Low interest rate
  • Maximum line $25,000
  • Multiple cards
  • Online viewing of account activity through DCU
  • 12 month statement history that can be downloaded into your accounting system
  • One easy convenient monthly payment
  • 25 day grace period on purchases
  • Automatic payment options
  • Auto Rental Collision Damage Waiver Program**
  • Travel Accident Insurance**
  • Travel & Emergency Assistance
  • Warranty Manager Service**
  • Emergency Card Replacement
  • Purchase Security and Extended Protection
  • Visa Liability Waiver Program
  • Compatible with Apple Pay, Android Pay, or Samsung Pay

Business Basic is appropriate for small businesses that issue cards to partners, spouses, or key employees (including authorized signatories).

  • 1-4 cards with the same account number
  • Each card has the company credit limit (each purchase by any card goes against the company limit)
  • One bill and one payment
  • Overdraft protection
  • Transactions, balances, and statements are available in DCU's Online Banking

*APR=Annual Percentage Rate. APR as of  is as low as 9.99%. Your APR will be based on your personal credit history. Rates are variable, tied to the Prime Rate, and can change monthly. For more information refer to DCU's Visa Business Platinum Card Agreement and Disclosure Statement.

**Review your account agreement for details.

Free 24 hour access online and by phone

Your card will automatically be available in DCU's Online Banking and under your business membership.

Paying your Visa Business Platinum Basic Bill

Make your payment in DCU Online Banking or mail it to:

DCU
PO Box 9130
Marlborough, MA 01752-9130

Or

Pre-Authorized Recurring Transfers (ACH Origination)Request Form (.pdf format)

Visa Business Platinum Basic Contacts

Call DCU Member Service at 800.328.8797

  • Order new cards
  • Order replacement cards
  • Lost or stolen cards
  • Payment inquiries/research
  • Declined transaction inquiries
  • Process and approve a new application
  • Increase credit limits
  • Change of business address
  • Change and/or remove business officers
  • Add and/or remove card holder
  • Late fees inquiries
  • Payment research
Refer to DCU's Visa Business Platinum Card Agreement and Disclosure Statement.

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%
Prime* 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.*
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

* The 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 508.263.6700 or 800.328.8797 if you wish to ascertain what changes, if any, have been made to DCU Visa Business Platinum Credit Cards.


Additional Fees
  • Up to $25 – Replacement Fee
  • Up to $45 – Rush Fee per card
  • Up to $75 – Same day Rush Fee per card
  • Up to $2 – Statement copy request

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How does this card report to credit reporting companies?

Does this card report to personal credit reports, business credit reports, or both?
Asked by: Beek
At this time, Business Visa balances and payment history do not report to any Credit Bureaus.
Answered by: DCU Staff
Date published: 2017-10-10
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  • clientName_digitalfederalcreditunion

"DCU has the Best Services."

Open quote DCU makes banking so easy and convenient. Setting up a business account was easy. They offer many options. My needs were for a small start up business. DCU had the perfect option for my needs without the fees and restrictions required at other banks. I highly recommend doing business with DCU. Close quote

— Mrs Roe, Littleton, Massachusetts

Easy Ways To Apply Today

Apply today, and make DCU's Visa Business Platinum Credit Card part of your business plan. Just fill out a DCU Visa Business Platinum Application (in pdf format). Take the completed form and do one of the following:

  • Fax to 866.733.8009
  • Bring it to any DCU branch
  • Mail it to:
    Digital Federal Credit Union
    Visa Business Platinum – Commercial Lending
    220 Donald Lynch Blvd
    PO Box 9130
    Marlborough, MA 01752-9130

"Excellent Service"

Open quote Having earlier been a member of DCU, I opened my own company and opted for DCU for my business accounts. I looked at other options but none were as customer friendly as DCU. A lot of features on their website you will not get at other banks. Their rates for loans are low and hassle free to obtain. I would definitely recommend DCU. Close quote

— Abby, Newton, Massachusetts

Related Links

Business Related Forms and Applications