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Personal and Business Banking

DCU Visa Platinum Rewards Credit Card

Visa® Platinum Rewards

Enjoy a credit card that has a great rate
and even greater rewards.

As low as




based on your credit worthiness

DCU’s Visa Platinum Rewards card combines a low rate with great rewards. Each purchase earns you points that are redeemable for travel, gift cards, merchandise, and more. 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.

Learn more about rewards ›

*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 Rewards card

Rewards Members Login ›

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:
Annual Fee NONE
Transaction Fees:
Balance Transfer
Cash Advance
Foreign Currency Transaction
Penalty Fees:
Late Payment
Up to $35.00 per occurrence

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 Rewards Card 4.1 out of 5 stars 4.1 out of 5 stars filled

Here's what our Members are saying...

Previous videos Next videos
DCU Visa Platinum Rewards is rated 4.2 out of 5 by 111.
Rated 5 out of 5 by from Haven't gotten the card yet but ... I wrote a long review yesterday and the WHOLE thing erased !! (but my fault) Anyways, This is coming from a guy with not-so-good credit (past repo/current loan default) that is trying to get back on track. Being a DCU member for seven years plus now, uninterrupted direct deposit of my Government salary every two weeks and all I had was a debit card. Last August I went for a car loan: at first I got denied, then I was suddenly approved after speaking to another person - I kind of gave them "my story" .. with documentation to back it up - POOF - I was approved for full financing .. I have never and will never make a late payment. That money is the first thing to come out of my paycheck EVERY two weeks (they don't forget so don't try !!). I was real happy with that. The woman that helped me thru was an ACE. I think her name was Melissa ?? I should have written one of these then - but forgot. It wasn't until this past week, while looking up my account online (usually use the app) and there was a rather large ad for their various credit cards. I decided - mine as well. So I did, I filled out the "mid-grade" one. Filled it our to the best of my ability, when I hit "send" it was waiting and waiting (and waiting) and finally the screen said "a DCU rep will call you shortly". I took that as a polite way of saying "try one of our secure cards sir, to build up your credit". I was lucky enough to have "Karen" call me in a VERY upbeat and positive tone to let me know she reviewed my application and I was ACCEPTED !! I was kind of surprised to be honest. She then proceeded to let me know that there was a generous credit limit attached to it (my words). I stopped her mid sentence and asked if she had a second. I proceeded to tell her about my "credit criminal" past and that they took a chance on my 10 months ago with the car loan (that I haven't let them down) and now their taking a chance on me again - which I will NOT let them down again. She was a very upbeat, English speaking woman who could not have been nicer. The reason I throw in there "English Speaking" is because we all know that when you fill out these things (and many other things) your request gets sent to Omaha or an Eastern European Country and they look at your credit number ONLY. That is where a lot of us fail (I think) Point being, there is an actual HUMAN deciding these things - and I'm pretty sure they are here I Worcester County too !! To me, that means something . Kudos to Karen, Melissa (?) and DCU - I mean this.
Date published: 2019-05-14
Rated 5 out of 5 by from Approval process is streamlned and easy to complete for members The approval process for credit is seamless and quick to accomplish.
Date published: 2019-05-13
Rated 5 out of 5 by from Awesome Credit limit to Members. Quick and Hassle free DCU does a great job of presenting pre-approved and qualified offers to Members. Accepted a pre approved offer for DCU Platinum Rewards and instantly see the Credit added to my Account. Literally everything done in less than 10 mins. No Credit Pull, No additional documents, no customer care calls. Highly recommend DCU !
Date published: 2019-01-26
Rated 5 out of 5 by from Easiest process to apply for card We applied over the phone and got an approval while we waited. Entire process took about 15 minutes. I appreciated that DCU requires the co-applicant to be present understanding that this cuts down on fraudulent applications.
Date published: 2018-06-09
Rated 5 out of 5 by from Seamless user friendliness in the process Good features on the product very easy application process also approved for personal loan then denied by the rep for no valid reason very low dti ratio and 740 + credit score a valid explanation would’ve been nice rather cold response
Date published: 2018-04-07
Rated 5 out of 5 by from Great so far I just got the card, so I can't really say much else about it except it was very easy to apply, has a quite reasonable rate and was approved quickly. If the card is as good as all of DCU's other services, I know I will love it. Thank you, DCU!
Date published: 2017-12-03
Rated 5 out of 5 by from I love it Great REWARDS!!! Staff was extremely helpful, nice experience
Date published: 2017-11-25
Rated 5 out of 5 by from I don't have world to explain For me DCU is the best one, thank you for you service DCU you make my life better right now, thanks.
Date published: 2017-10-21
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What happened to any points that DCU credit card holders had with the old Scorecard rewards program?

I'll admit that I rarely used them, preferring to let them build up for a big purchase. But when I went to check on them several months ago, I noticed that there was now a special card that earned rewards points. It seems like the standard card no longer earns points with purchases.
Asked by: Mick
I checked with DCU and apparently, they discontinued this program in 2010 but the points can be transferred if you hold a DCU Rewards Platinum Visa. You will need to switch your existing card into that card and then transfer the points to that.
Answered by: Suresh
Date published: 2013-10-23

Can I get a cash advance from my DCU Visa Credit Card at an ATM?

Asked by: DCU Member
Answered by: sis
Date published: 2014-07-22

Where can I find the reward points for my DCU Visa Card

Asked by: Sunil You will have to register separately for this.
Answered by: Sujoy
Date published: 2015-02-21

How long do I have to dispute a DCU Visa Credit or Check Card transaction?

Asked by: DCU Member
Transactions can be disputed 60 days from the date of the statement that shows the transaction in question. The dispute can be submitted in PC Branch under the "Forms/Services" link.
Answered by: DCU Staff
Date published: 2013-10-23

How do I add an authorized user to my DCU Visa Credit Card?

Asked by: DCU Member
You can add an authorized user to your DCU Visa Credit Card account with our Authorized User Form.
Answered by: DCU Staff
Date published: 2013-10-23
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