What Can DCU Save You?

DCU Visa® Platinum Credit Card

Low interest rates that really save you money!




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 8.75%. 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 8.75%. 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

Additional Federal Disclosure Table


Additional Federal Disclosure Table
Annual Percentage Rate (APR) for Purchases, Balance Transfers, and Cash Advances  
DCU VISA 8.75% 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 11.50% 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 11.75%. 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 www.consumerfinance.gov.
Fees
Annual Fee NONE
Transaction Fees:
  • 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 $35.00 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 8.75% 10.99% 13.99% 12.99%
Lowest APR* Balance Transfers 8.75% 10.99% 13.99% 12.99%
Lowest APR* Cash Advances 8.75% 13.99% 22.24% 23.24%
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 1/1/2016 and is subject to change without notice.

**APR=Annual Percentage Rate. APR as of is as low as 8.75%. 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.



Rated 4.6 out of 5 by 1008 reviewers.
Rated 5 out of 5 by The costumer service is excellent! Everyone is so helpful! Via email or phone, I love DCU! May 28, 2016
Rated 5 out of 5 by Appreciate Coming to US for first time, with very low/no credit history, on work permit visa, it becomes very difficult to get credit card. And without credit card you feel handicapped in US. Dcu helped me with this and i really appreciate this, my employer had tie up with bofa and citi bank, same old problem, we applied and cannot do anything, talk to this department that department, with no answet and weeks of delay, and after weeks of struggle heard a sorry. At dcu first time and they communicated back in time within 24hrs. I will never forget this service from dcu, you won place in my heart for your intime hassle free services so far. I am waiting now to build my credit history to an extent when bofa and citi banks will approach me for taking a credit card from their bank and then i will say sorry, i cannot do anything. :) Thank you once again dcu. Keep up the good work. Appreciate it. May 28, 2016
Rated 5 out of 5 by Great product Just transferred my cc balances to my dcu card now one low monthly payment thanks dcu May 28, 2016
Rated 5 out of 5 by Excellent The service i get from dcu is excellent. They help me with more then one thing in my life May 28, 2016
Rated 5 out of 5 by This is my first creditcard and I am happy to choose DCU Very professional and very happy with DCU. I have taken credit card and car loan. May 26, 2016
Rated 5 out of 5 by Very good product to save money This is a very good product, i recommend all dcu customers to consider it. It will be very helpful in saving money. May 25, 2016
Rated 5 out of 5 by Too good to be true !! I do ALOT OF RESEARCH and when looking at the reviews for DCU I noticed a common theme . I read over 300 reviews and found maybe a handful of 1 star reviews . I thought to myself that this is too good to be true . From the moment I got the approval through Ben Lecrue at DCU I have felt like a king !! I am mid credit rating and don't expect a lot. The by far exceeded my expectations approving me for a vehicle and a credit card all in one shot! They have earned ALL of this guys business and I can speak volumes of the customer service I received . I have all types of credit through BIG name companies and hands down these guys and girls are the best !! Thanks so much DCU I look forward to our future relationship!! May 21, 2016
Rated 5 out of 5 by excellent I am very happy with DCU for help me out and provided me one of the best rate of their credit card. I really recommended to everybody to came to DCU and see their products and you will see the difference from others. Thanks Carlos. May 21, 2016
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(112 Questions : 137 Answers)

Product Q&A

Ask your questions. Share your answers.

 
 
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State: Massachusetts
5 years 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
4 years ago
Member avatar
by
vee
fall river
0points
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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
4 years, 8 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
5 years ago
Member avatar
by
DCU Staff
Marlborough
+2points
2out of 2found this answer helpful.
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3 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
4 years, 7 months ago
Member avatar
by
matt
londonderry
0points
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Answer: 
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!
State: Massachusetts
Age: 18-24
DCU Member for: 1 to 4 years
5 months, 3 weeks ago
Member avatar
by
Jess
Waltham
0points
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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
4 years, 3 months ago
Member avatar
by
DCU Staff
Marlborough
0points
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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
4 years, 3 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
4 years, 2 months ago
Member avatar
by
theolb
arlington
0points
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Answer: 
absolutely
State: Massachusetts
Age: Over 65
DCU Member for: 10 to 20 years
3 years, 11 months ago
Member avatar
by
deb
Canton
0points
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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
 
4 years, 2 months 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
4 years ago
Member avatar
by
Mike
Austin
+6points
6out of 6found this question helpful.
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Answer: 
3,000
State: Massachusetts
DCU Member for: Less than 1 year
4 years ago
Member avatar
by
vee
fall river
0points
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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
4 years 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
3 years, 11 months ago
Member avatar
by
Andy
Sunnyvale
0points
0out of 0found this question helpful.
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Answer: 
low interest rate
State: Massachusetts
3 years, 11 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
3 years, 11 months ago
Member avatar
by
DCU Staff
Marlborough
+2points
2out of 2found this answer helpful.
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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

© 2016 Digital Federal Credit Union