What Can DCU Save You?

DCU Visa® Platinum Credit Card

Low interest rates that really save you money!




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DCU Visa Platinum Credit Card

Learn more about Apple Pay             Learn more about Visa Checkout

DCU Visa Platinum Credit Card Features

  • Our Lowest Rates
  • No Annual Fee*
  • No Fees or Higher Rates for Cash Advances and Balance Transfers
  • Compatible with Apple Pay™
  • Insurance, car rental, travel, and warranty benefits
  • Optional Overdraft Protection on your DCU Checking
  • Buy online easily and safely with Visa Checkout

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 8.50%. Your APR will be based on your personal credit history. Rates are variable, tied to the Prime Rate, and can change monthly. 2% foreign transaction fee applies. For more information refer to DCU's VISA Credit Card Agreement and Federal Truth-in-Lending Disclosure Statement.

"Best Ever Card"

Open quote I have been a DCU member for over 13 years and have gotten many cards. I can say confidently that the DCU platinum card is the best simply because of its simplicity and value. A perfect card to carry anytime or anywhere in the world! Close quote

— Agrawalji, Sunnyvale, CA

DCU Visa Platinum Credit Card Details

  • Our Lowest Rates – Save over other bank and store cards with a rate well below the national average. Transfer your higher interest credit card balances and start saving.
  • No Annual Fee – Save up to $45 over other credit cards.*
  • No Fee or Higher Rate for Cash Advances – Cash advances are free! Get advances 24-hours a day from any ATM displaying the Visa logo or by calling DCU or through Online Banking. Easily transfer money to any of your DCU Checking or Savings accounts or have a check mailed to you. Plus, we offer cash advances up to $200 per day at participating hotels.**
  • No Fee or Higher Rate for Balance Transfers – Balance transfers from other credit cards to your DCU Visa Platinum Credit Card are free. You can also make transfers through DCU Online Banking, Mobile Banking, ATMs, Easy Touch Telephone Teller System, the Information Center, or at any DCU branch.
  • Compatible with Apple Pay – Enjoy all the benefits of your DCU Visa Platinum Card using Apple Pay on iPhone 6. It’s the easy, secure, and private way to pay with a simple touch. Learn More
  • Free Auto Rental Collision Damage Waiver – You're covered for collision damage or theft on auto rentals.
  • Optional Overdraft Protection on your DCU Checking – Overdrafts are automatically charged to your DCU Visa Platinum Credit Card up to your credit limit when you choose this option.
  • Extensive Visa Travel Services – Receive $500,000 in free Travel Insurance Coverage when you charge tickets on any carrier whether it be airline, train, ship, or bus. Plus, you're assured your room remains available if you arrive late at participating hotels, motels, and resorts.**
  • Extended Warranty on Most Purchases – Extends the warranty on most purchases made with your DCU Visa Platinum Credit Card.**
  • Buy online easily and safely with Visa CheckoutLearn more

*APR=Annual Percentage Rate. APR as of is as low as 8.50%. Your APR will be based on your personal credit history. Rates are variable, tied to the Prime Rate, and can change monthly. 2% foreign transaction fee applies. For more information refer to DCU's VISA Credit Card Agreement and Federal Truth-in-Lending Disclosure Statement.

Great for Students, Too

The DCU Visa Platinum is the perfect card for college students. Online access is easy when you're away from home through Online Banking and it is safer than cash.

If your own financial situation doesn't allow you to qualify for a card on your own (based on your credit history, income, and expenses), you'll need to have an adult co-borrower who does qualify – most often a parent. That offers four advantages:

  1. It allows you to begin building your own credit history
  2. It may qualify you for a higher credit limit
  3. It can result in a lower interest rate since your rate will be determined by the best personal credit history among your co-borrowers
  4. Your co-borrowers can access the account through Online Banking and can easily help make payments by online transfer from their own DCU accounts

Visa Additional Federal Disclosure Table


Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases, Balance Transfers, and Cash Advances:
8.50% to 18.00% when you open your account, based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate.*
Penalty APR (Delinquency) and When it Applies:
18.00%

This APR may be applied to your account if you make a late payment.

How Long Will the Penalty APR Apply? If your APR is increased for this reason, the Penalty APR will apply until you make six consecutive payments (minimum or higher) when due, beginning with the first payment due following the effective date of the change.
How to Avoid Paying Interest on Purchases:
Your due date is approximately 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge:
None
Minimum Payment Due:
This figure will be reflected on your statements and will be either: (a) 1.75% of your Ending Statement Balance, rounded to the nearest dollar, or $25, whichever is greater, or (b) your Payoff Amount if less than $25.
For Credit Card Tips from the
Federal Reserve Board:
To learn more about factors to consider when applying for or using a credit card, visit the web site of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.

Fees
Annual Fee:
None
Minimum Finance Charges
Balance Transfer:
Cash Advance:
Foreign Currency Transaction:
 
None
None
Conversion Fee: 2%. Conveyance in US Funds Fee (no conversion necessary) 0.80%.
Penalty Fees
Late Payment:
Overlimit:
 
Up to $35 per occurrence
None

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

* The Prime Rate used to determine your 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.



How We Compare

  DCU Bank of America Citizens Bank TD Bank
Lowest APR* Purchases 8.5% 10.99% 13.99% 9.24%
Lowest APR* Balance Transfers 8.5% 10.99% 13.99% 9.24%
Lowest APR* Cash Advances 8.5% 20.99% 22.24% 23.24%
No Annual Fees only on some only on some
No Balance Transfer Fee      
No Cash Advance Fee      
* Actual APR based on creditworthiness, most vary with Prime Rate, Citizens varies with LIBOR

As of 12/20/2013


DCU Visa Platinum 4.6 5 810 810
Great job DCU Excellent service, i have ever seen, Highly recomended product. Dont get into trap to another banks. April 16, 2015
Quick Processing The whole application process was quick and easy. Aprreciate the good work. April 14, 2015
Very Good I like the product very much which is very useful for the starter who are migrated from the other country. April 12, 2015
DCU is excellent! DCU cards are very good when compared with other cards. I will recommend to my friends. In fact, I got a referral link from one of my friend. April 11, 2015
Switched Credit cards We switched our credit cards to a DCU Visa and received a much lower rate than we had with Capital One. April 8, 2015
Great product, I recommend it, lowest fees This is only card I know that does not have fees for cash advance or balance transfer, I find this to be a great deal, I recommend this card! April 7, 2015
Approval Process Approval process is quick and got other offers which is good for me. April 4, 2015
its very conviniete and reliable The people in the bank are so welcoming and they help in all ways April 4, 2015
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(103 Questions : 124 Answers)

Product Q&A

Ask your questions. Share your answers.

 
 
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State: Massachusetts
3 years, 10 months ago
Member avatar
by
DCU Member
Marlborough
+3points
3out of 3found this question helpful.
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Answers

Answer: 
no
State: Massachusetts
Age: 25-34
DCU Member for: Less than 1 year
2 years, 11 months ago
Member avatar
by
vee
fall river
0points
0out of 0found this answer helpful.
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Answer: 
It used to but not any more. If you want rewards, you need to take Platinum Rewards card ( not just Platinum or gold or classic)
State: Virginia
Age: 35-44
DCU Member for: 10 to 20 years
3 years, 7 months ago
Member avatar
by
Siva
Richmond
0points
0out of 0found this answer helpful.
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Answer: 
We are currently offering 2 credit card options. Our DCU Visa Credit Card offers DCU's lowest available rates to our members, while the DCU Rewards Visa offers competitively low rates along with a Rewards Program.
State: Massachusetts
3 years, 10 months ago
Member avatar
by
DCU Staff
Marlborough
+1point
1out of 1found this answer helpful.
Was this helpful?helpful1unhelpful0
 
2 answers

Apply with no credit?

Can you apply for a credit card if you have ZERO credit?
If so, what can you apply for as a limit?
State: New Hampshire
Age: 18-24
DCU Member for: Less than 1 year
3 years, 5 months ago
Member avatar
by
matt
londonderry
0points
0out of 0found this question helpful.
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Answers

Answer: 
DCU does review applicants with no prior credit history. The loan decision and limit would be based on employment history and verification of income. Please contact us at 800-328-8797 option 3 for more information or to apply. You may also apply online at dcu.org by clicking "Get a Loan."
State: Massachusetts
3 years, 2 months ago
Member avatar
by
DCU Staff
Marlborough
0points
0out of 0found this answer helpful.
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Answer: 
We offer a DCU Visa as an unsecured or secured card. There is no annual fee and a low minimum monthly payments. The rates are competitive and based on personal credit history. If you would like to apply for a Visa card, simply choose the Loans/Visa link on the top of our homepage, and then choose the Credit Cards link. Or, you may apply over the phone by calling 800-328-8797 option 3.
State: Massachusetts
3 years, 2 months ago
Member avatar
by
DCU Staff
Marlborough
+1point
1out of 1found this answer helpful.
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I have yet to receive a statement of any kind online. What is the best way to make a payment, can i make an online payment or transfer from a different bank account to make a payment on my DCU Visa card?
State: Massachusetts
Age: 35-44
DCU Member for: Less than 1 year
3 years, 1 month ago
Member avatar
by
theolb
arlington
0points
0out of 0found this question helpful.
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Answers

Answer: 
absolutely
State: Massachusetts
Age: Over 65
DCU Member for: 10 to 20 years
2 years, 10 months ago
Member avatar
by
deb
Canton
0points
0out of 0found this answer helpful.
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Answer: 
Your Visa bill can be accessed while logged into PC Branch with your member number and password. Once logged in select the eStatements tab and choose the View button beside the Credit Card Statement area.

DCU Visa payments may be made by mail to DCU, 220 Donald Lynch Boulevard, P.O. Box 9130, Marlborough, MA 01752, in person at a CU Service Center or DCU Branch, or using the Cash Edge service.

You can find DCU Branch and CU Service Center locations available in your area by selecting the Branch/ATM Locator link from our home page.
State: Massachusetts
 
Products related to my answer
 
3 years, 1 month ago
Member avatar
by
DCU Staff
Marlborough
0points
0out of 0found this answer helpful.
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I understand that the credit line is dependent on the credit history, but can you indicate what the range of the credit limit would be for a person with an good credit
State: Texas
Age: 35-44
DCU Member for: 5 to 10 years
2 years, 11 months ago
Member avatar
by
Mike
Austin
+6points
6out of 6found this question helpful.
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Answers

Answer: 
3,000
State: Massachusetts
DCU Member for: Less than 1 year
2 years, 11 months ago
Member avatar
by
vee
fall river
0points
0out of 0found this answer helpful.
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Answer: 
The minimum credit limit is $500 and the typical maximum is up to $25,000. You want to apply for the limit you desire and the decision will be made based on your personal credit history and income.
State: Massachusetts
2 years, 11 months ago
Member avatar
by
DCU Staff
Marlborough
0points
0out of 0found this answer helpful.
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State: California
Age: 35-44
DCU Member for: 10 to 20 years
2 years, 10 months ago
Member avatar
by
Andy
Sunnyvale
0points
0out of 0found this question helpful.
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Answers

Answer: 
low interest rate
State: Massachusetts
2 years, 10 months ago
Member avatar
by
Deb
Canton
0points
0out of 0found this answer helpful.
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Answer: 
No Reward points are associated with the DCU Visa® Platinum Credit Card. In order to convert to the DCU Visa Platinum Rewards Credit Card program, please give us a call and we can review the criteria with you further.
State: Massachusetts
2 years, 10 months ago
Member avatar
by
DCU Staff
Marlborough
+1point
1out of 1found this answer helpful.
Was this helpful?helpful1unhelpful0
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"Great Credit Card"

Open quote This is my best credit card because of 2 reasons. 1) Lowest rate. 2) Great service always. Their service never fails to impress. I will definitely recommend this card to anyone in the market for a credit card. Close quote

— Rajesh, Houston, TX

Easy Ways To Apply Today

Before you apply, please refer to the Details tab for important information.

  1. Apply Online – Most members get an answer on their application while still online.
  2. Apply by Phone – Apply 24 hours a day by phone 508.263.6700 or 800.328.8797, (select 3).
  3. Any DCU Branch – Visit your local branch to open a Visa Platinum account today.

We're Here To Help!

If you have any questions, please speak with a Member Service Representative at your nearest DCU branch or call our Information Center at 800.328.8797, weekdays from 8:00 a.m. to 9:00 p.m., and Saturdays 9:00 a.m. to 3:00 p.m., Eastern time.

"Perfect and Excellent"

Open quote I am really proud to be a Member of DCU. I am 100% sure that I never saw this much caring and awesome banking services in my life. I have visited a couple of countries and I can say this is the ***BEST*** financial institution in the world. Thanks to every one. You guys rock. Close quote

— Mani, St. Louis Park, MN

Related Links

  • StreetWise Guide to Credit and Credit Management – Pertinent information on how to obtain and maintain a good credit rating, credit scoring information, and much more.
  • Calculation of Finance Charges – Learn exactly how finance charges or interest on DCU loan accounts are calculated.
  • Financial Wellness and Recovery – Learn what DCU can do for you if you are now or think you may soon be experiencing a financial setback
  • Apple Pay – Enjoy all the benefits of your DCU Debit and Credit cards using Apple Pay on iPhone 6. It’s the easy, secure, and private way to pay with a simple touch.

For Your Protection

Loan Disclosure

  • Visa Credit Card Disclosure (.pdf format, 6 pages) – This covers rates, terms, and conditions related to DCU's Visa credit card programs.
Digital Federal Credit Union

220 Donald Lynch Boulevard

PO Box 9130

Marlborough, MA 01752-9130

508.263.6700  |  800.328.8797

ABA Routing Number: 211391825

    

Federally Insured by NCUA

Equal Housing Opportunity

© 2015 Digital Federal Credit Union