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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

10.75

%


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
10.75% 14.99% 14.74% 14.99%
Lowest APR2
for balance transfers
10.75% 14.99% 14.74% 14.99%
Lowest APR2
for cash advances
10.75% 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 10.75% 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 13.50% 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 13.75%. 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:
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 1413.
Rated 5 out of 5 by from Customer Service Stellar customer service consistently. Great rates.
Date published: 2019-02-09
Rated 5 out of 5 by from Visa Platinum Card Features I really feel impressive about the no annual fee offer and also I appreciate the DCU services that has been offered for me from past couple of years.
Date published: 2019-02-09
Rated 5 out of 5 by from Perfect İ love dcu membership becouse your employer Neslihan very helpfull.
Date published: 2019-02-09
Rated 5 out of 5 by from YAY! Happy to have a card with my credit union I applied for a card with DCU because I'm already a member with a checking account and I wanted to take advantage of the transfer rate. I was so pleased with the APR they gave me too as my credit is overextended and credit companies tend to punish you for that with higher interest rates (seriously my credit report states I'm 100% on time, it's just high balances). I haven't received my card yet, but I received notification of the APR, the limit, etc. Very pleased with DCU and happy to do more business with them. i wish I qualified for refinancing the rest of my car loan with them. Hmmm maybe i'll try again.
Date published: 2019-02-03
Rated 5 out of 5 by from Features The product has what I was looking for in a credit card
Date published: 2019-02-02
Rated 5 out of 5 by from This product is a better fit for me. I'm very satisfied with this product thus far. Good customer service is important to me and I find that with DCU.
Date published: 2019-01-26
Rated 5 out of 5 by from Great! For Starters My first credit card in the United States. Thank you DCU, for everything you do for your members.
Date published: 2019-01-22
Rated 5 out of 5 by from Good offer and excellent customer service Received the offer in email which looked good and just have started using it; hope will help my personal needs. Really good service provided by the phone agent when I called them; very much appreciated overall member service experiences so far.
Date published: 2019-01-20
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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

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
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