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Personal and Business Banking

DCU Visa Platinum Credit Card

DCU Visa® Platinum


Enjoy a credit card with a rate way below
the national average.

DCU Visa Platinum as low as

10.25

%


APR1

based on your credit worthiness

DCU’s Visa Platinum Credit Card offers a rate lower than you’ll find on most other bank or store cards. Annual fees or additional fees for balance transfers? You won’t find either of those here. What you will find is more great benefits such as:

  • Optional overdraft protection for your DCU Checking – We’ll transfer the balance of any overdrafts from your DCU Visa Platinum account up to your available limit.
  • Compatible with Apple Pay®, Google Pay, and Samsung Pay – Use your mobile device to pay at millions of retailers throughout the country. Learn more.
  • Embedded EMV chip for fraud protection – This tiny chip protects your information in a big way.

1 - Annual Percentage Rate.
Apple and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries.
Google and Google Pay are trademarks of Google Inc.
Samsung, and Samsung Pay are registered trademarks of Samsung Electronics Co., Ltd.

Image of a DCU Visa Platinum card
  DCU Visa Platinum Bank of America TD Bank Citizens Bank
Lowest APR2
for purchases
10.25% 14.99% 14.74% 14.99%
Lowest APR2
for balance transfers
10.25% 14.99% 14.74% 14.99%
Lowest APR2
for cash advances
10.25% 17.99% 26.99% 24.24%
Annual Fee - Yes
only on certain cards
Yes
only on certain cards
-
Balance Transfer Fee
for each transaction
- $10 or 3%
whichever is greater
$5 or 3%
whichever is greater
$10 or 3%
whichever is greater
Cash Advance Fee
for each transaction
- $10 or 3%
whichever is greater
$10 or 5%
whichever is greater
$20 or 5%
whichever is greater

2 - Actual APR (Annual Percentage Rate) based on creditworthiness. Most vary with the Prime Rate. Citizens varies with LIBOR. Chart updated as of 6/26/2018 and is subject to change without notice.

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

Rates & Fees



Annual Fee

 

Balance Transfer Fee

 

Cash Advance Fee

 

Foreign Currency Transaction Fee

Rates are effective .

Read our terms & conditions for rate, fee and other cost information

Additional Federal Disclosure Table
Annual Percentage Rate (APR) for Purchases, Balance Transfers, and Cash Advances  
DCU VISA 10.25% 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 13.00% 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 13.25%. 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:
consumerfinance.gov/learnmore/.
Fees
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

Rates are effective .

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.

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

DCU Members rated DCU Visa Platinum Card 4.6 out of 5 stars 4.6 out of 5 stars

Here's what our Members are saying...

Previous videos Next videos
DCU Visa Platinum is rated 4.6 out of 5 by 1352.
Rated 5 out of 5 by from This product came at the right time I loved the customer services. They always is prompt to help
Date published: 2018-09-15
Rated 5 out of 5 by from Platinum Visa Pleased with the ease to balance transfer from higher interest rate credit cards to a lower interest rate.
Date published: 2018-09-09
Rated 5 out of 5 by from DCU gives better benefits than other banks I opened DCU account recently checking and saving accounts are really good and applied for credit visa platinum card. The offers are great and interest rate are very low. This makes customers feel happy when buying stuff.
Date published: 2018-08-23
Rated 5 out of 5 by from lowest variable rates this card has a good features like balance transfer and no cash advance fees
Date published: 2018-08-20
Rated 5 out of 5 by from excellent services the way of response is too good. i like to recommend my friends also
Date published: 2018-08-18
Rated 5 out of 5 by from very happy such a good rate, good customer service. REFINANCED MY CAR WITH THEM and i got a really good rate and the loan process was super fast. i also wanted to consolidate some debt onto a card that had a reasonable rate and was very happy with that fast process too.
Date published: 2018-08-11
Rated 5 out of 5 by from This product is easy to obtain and convenient to use The credit limit in the the product is very convenient. The time taken between me making my request for the product and the time the product was given to me was very short, shorter than the time I expected. Interest rate on the product is fair.
Date published: 2018-08-11
Rated 5 out of 5 by from New member Pleased with the process, excellent interest rates
Date published: 2018-08-11
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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
no
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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