JavaScript must be turned on in order for this site to display properly.

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

10.50

%


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
10.50% 14.99% 14.74% 14.99%
Lowest APR2
for balance transfers
10.50% 14.99% 14.74% 14.99%
Lowest APR2
for cash advances
10.50% 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 10.50% 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 Rewards VISA 13.25% 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 Secured VISA 13.50%. 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 1456.
Rated 5 out of 5 by from DCU Visa Platinum I am in the process of increasing my credit score and wanted to add a credit card to my portfolio. What was holding me back was the point drop my credit score would take with a hard pull. It would be the exact opposite of what I am trying to achieve. Checking my DCU account I was already pre-approved for a DCU Visa Platinum for a very good amount AND no hard credit check! The process was quick and easy, and I am on my way to improving my credit and heading towards that mortgage loan I am striving for! Thank you DCU for yet another helpful service!
Date published: 2019-08-03
Rated 5 out of 5 by from The Product is great DCU is best credit union which offers the best lending without any hassle and quick service The DCU visa credit card offers Lowest APR Balance Transfer option
Date published: 2019-08-03
Rated 5 out of 5 by from Excellent platinum! By far the best rates on a credit card! I'm was looking for a card and got a few offers but I'm happy to say that I'm really privileged to hold a DCU platinum card!
Date published: 2019-07-27
Rated 5 out of 5 by from Approved in 2 minutes Friendly service.approved in 2 minutes.appreciate their service and speed.
Date published: 2019-07-27
Rated 5 out of 5 by from Is great I am starting my credit and it was in the only bank that I have accepted, without problems.
Date published: 2019-07-13
Rated 5 out of 5 by from Easy and accessible The service representatives made the process very easy for me. They gave great explanations and left me with no questions about anything
Date published: 2019-06-30
Rated 5 out of 5 by from The product is one of a kind with it's features I will definitely recommend to other intending clients.
Date published: 2019-06-29
Rated 5 out of 5 by from overall pleased with the whole service! was able to quickly apply and submit documents right over the mobile app. really convenient process. would recommend this bank and their services to all.
Date published: 2019-06-22
  • y_2019, m_8, d_22, h_16
  • bvseo_bulk, prod_bvrr, vn_bulk_2.0.13
  • cp_1, bvpage1
  • co_hasreviews, tv_0, tr_1456
  • loc_en_US, sid_4-1, prod, sort_[SortEntry(order=RATING, direction=DESCENDING), SortEntry(order=SUBMISSION_TIME, direction=DESCENDING), SortEntry(order=FEATURED, direction=DESCENDING)]
  • clientName_digitalfederalcreditunion


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

how do I apply for a raise in credit limit to my Visa?

Asked by: BB
You could do this on their website under your account management.
Answered by: Bayo
Date published: 2019-02-09

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
  • y_2019, m_8, d_22, h_16CST
  • bvseo_bulk, prod_bvqa, vn_bulk_2.0.13
  • cp_1, bvpage1
  • co_hasquestionsanswers, tq_129
  • loc_en_US, sid_4-1, prod, sort_[SortEntry(order=LOCALE, direction=DESCENDING), SortEntry(order=FEATURED, direction=DESCENDING), SortEntry(order=NUM_ANSWERS, direction=DESCENDING)]
  • clientName_digitalfederalcreditunion