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What Can DCU Save You?
0% APR (Annual Percentage Rate) on balance transfers until July 2018.

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 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
  • Works with Apple Pay®, Android Pay, and Samsung Pay
  • Insurance, car rental, travel, and warranty benefits
  • Optional Overdraft Protection on your DCU Checking
  • Buy online easily and safely with Visa Checkout
  • Embedded EMV chip to protect your card information

Please refer to Details and Rates tabs for additional information and important disclosures.

For more information refer to DCU's VISA Credit Card Agreement and Federal Truth-in-Lending Disclosure Statement.

Apple, and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries.

Android, the Android logo and Android Pay are trademarks of Google Inc.

Samsung, and Samsung Pay are registered trademarks of Samsung Electronics Co., Ltd.

"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, Android Pay, and Samsung Pay – Enjoy all the benefits of your DCU Visa Platinum Card using your mobile device to pay at millions of stores and within apps. 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
  • Embedded EMV chip to protect your information – DCU Visa® Platinum Credit Cards now come with chip technology built right in. This tiny chip protects your information in a big way.

For more information refer to DCU's VISA Credit Card Agreement and Federal Truth-in-Lending Disclosure Statement.

**Review your account agreement for details

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

Additional Federal Disclosure Table

Additional Federal Disclosure Table
Annual Percentage Rate (APR) for Purchases, Balance Transfers, and Cash Advances  
DCU VISA 9.75% to 18.00% when you open your account, based on your credit-worthiness. After that, your APR will vary with the market based on Prime Rate*.
DCU Rewards VISA 12.50% to 18.00% when you open your account, based on your credit-worthiness. After that, your APR will vary with the market based on Prime Rate*.
DCU Secured VISA 12.75%. After that, your APR will vary with the market based on 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 have made 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
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the web site of the Consumer Financial Protection Bureau at:
Annual Fee NONE
Transaction Fees:
  • Balance Transfer
  • Cash Advance
  • Foreign Currency Transaction
  • NONE
  • NONE
  • NONE
Penalty Fees:
  • Late Payment
  • Overlimit
  • Up to $35.00 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.

Rates are effective .

How We Compare*

  DCU Bank of America Citizens Bank TD Bank
Lowest APR* Purchases 9.75% 13.24% 12.99% 13.99%
Lowest APR* Balance Transfers 9.75% 13.24% 12.99% 13.99%
Lowest APR* Cash Advances 9.75% 16.24% 23.24% 26.24%
Annual Fees NONE on some none on some
Balance Transfer Fee NONE YES YES YES
Cash Advance Fee NONE YES YES YES
* Actual APR (Annual Percentage Rate) based on creditworthiness, most vary with Prime Rate, Citizens varies with LIBOR. Chart updated as of 1/3/2018 and is subject to change without notice.

For more information refer to DCU's VISA Credit Card Agreement and Federal Truth-in-Lending Disclosure Statement.

DCU Visa Platinum is rated 4.6 out of 5 by 1263.
Rated 5 out of 5 by from DCU IS A GREAT SERVICE GOOD COMPANY GREAT SERVICES.......................
Date published: 2017-12-31
Rated 5 out of 5 by from everyone is really nice and helpful really helpful with all of my needs. I am fairly young and the staff there really take the time to help me understand all and everything that I need to understand.
Date published: 2017-12-26
Rated 5 out of 5 by from Excellent Excellent customer service & follow up .Would recommend to others .
Date published: 2017-12-26
Rated 5 out of 5 by from DCU always have great banking offers for the customer. DCU is a great bank. They are there to help you and thery care; that is so important. This is bank you can trust . Thank you DCU for being there! AB
Date published: 2017-12-23
Rated 5 out of 5 by from Online, phone & in person service is excellent. What could be easier than quick online application and to nearest branch to pick up new credit card. Everyone I spoke with was professional, polite and very accommodating.
Date published: 2017-12-16
Date published: 2017-12-10
Rated 5 out of 5 by from Great rate Tatiana was incredibly helpful in making this process happen and it was very easy.
Date published: 2017-12-09
Rated 5 out of 5 by from Easiest process Great rates DCU is the best place for ask your financial needs
Date published: 2017-12-09
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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?
Asked by: matt
Yes, I applied and received this card with zero credit. This is my first credit card and depending on how much you make at work is the amount you are loaned. You need to have a stable job for at least 3 months and have pay stubs to prove it. That's all it took for me!
Answered by: Jess
Date published: 2016-02-06

Does your Visa credit card offer a rewards program?

Asked by: DCU Member
Answered by: vee
Date published: 2013-10-23

DCU Pre-Approval offer for DCU VISA Platinum Credit card

I have got a Pre-Approval offer for DCU VISA Platinum Credit card. If I accept that offer, is that going to be a Hard Pull or Soft Pull on my Credit?
Asked by: Paru
Most probably a hard pull.
Answered by: BAL
Date published: 2017-10-28

My credit card is approved How can i establish membership with DCU

I have applied for credit card over phone and the card is approved. How can establish membership with DCU? Should i be given membership along with credit card or apply fresh?
Asked by: Rao
you to apply to dcu
Answered by: papah
Date published: 2013-10-23

What factors are looked at when applying for a secured credit card? I have a good job and and make good money but have a low credit score.

Asked by: Secured Card
I'm in the same boat as you with good income but poor credit. I was approved for a visa platinum card (didn't have to do the secured card). Every other company would only approve me for a secured card. And with the DCU card I was approved for a higher limit with a lower interest rate than all the others. I recommend applying.
Answered by: travl22
Date published: 2014-08-30
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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
  • Mobile Wallets – Enjoy all the benefits of your DCU Debit and Credit cards using Apple Pay, Android Pay, or Samsung Pay. 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.