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DCU Visa® Business Platinum Plus Credit Card

Designed to help you manage your business finances more efficiently

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Visa Business Platinum Plus Benefits

  • No annual fee*
  • Low interest rates
  • Maximum line $25,000
  • Multiple cards
  • One control account
  • 25 day grace period on purchases
  • Automatic payment options
  • Cash advance available
  • 12 month statement history that can be downloaded into your accounting system
  • Available to business members in Massachusetts, New Hampshire, and Rhode Island

*APR=Annual Percentage Rate. APR as of  is as low as 9.99%. Your APR will be based on your personal credit history. Rates are variable, tied to the Prime Rate, and can change monthly. For more information refer to DCU's Visa Business Platinum Card Agreement and Disclosure Statement.

Credit Card Benefits Just for Business

With a DCU Business Account here's what you can expect with a DCU Visa Business Platinum Plus Credit Card:

  • No annual fee*
  • Low interest rate
  • Maximum line $25,000
  • Multiple cards
  • Online viewing of account activity through MyCardInfo
  • 12 month statement history that can be downloaded into your accounting system
  • One easy convenient monthly payment
  • 25 day grace period on purchases
  • Automatic payment options
  • Auto Rental Collision Damage Waiver Program**
  • Travel Accident Insurance**
  • Travel & Emergency Assistance
  • Warranty Manager Service**
  • Emergency Card Replacement
  • Purchase Security and Extended Protection
  • Visa Liability Waiver Program

Business Plus is appropriate for businesses that need a greater number of cards with varying credit limits. It also allows you to keep track of individual spending and gives you the convenience of compiling all cards on one bill.

  • Unlimited amount of cards each with a different account number and different credit limit. The credit limits on each card when added together cannot exceed the company credit limit.
  • One control account
  • One company credit limit
  • Statements for each card
  • One consolidated bill for the control account with a breakout of transactions by user to keep track of individual spending
  • One monthly payment
  • This account is not serviced by DCU or linked to any DCU accounts or Online Banking. There is a separate non-DCU web site to view and do limited transactions.

*APR=Annual Percentage Rate. APR as of  is as low as 9.99%. Your APR will be based on your personal credit history. Rates are variable, tied to the Prime Rate, and can change monthly. For more information refer to DCU's Visa Business Platinum Card Agreement and Disclosure Statement.

**Review your account agreement for details.

Free 24 hour access online and by phone

With Business Plus, as soon as you get your business credit card, you can enroll and get FREE online access to your accounts with MyCardInfo. You will see your credit card balances and account activity, account history, and can download account information to popular financial software.

Simply select this link to MyCardInfo to register online! It's easy and quick to enroll.

For Telephone Access to your Business Plus Account call 800.234.5354 and use the automated service prompts for account balances, date and amount of last payment received, available credit, transactions since last statement, next payment due date, and minimum amount due.

Paying your Visa Business Platinum Plus Bill

Mail your payment to:

DCU Processing Center
PO Box 10308
Des Moines, IA 50306-0308

Or

In Person at any DCU branch

Pre-Authorized Recurring Transfers (ACH Origination)Request Form (.pdf format)

Online scheduled payments through MyCardInfo

Visa Business Platinum Plus Contacts

Call Visa Business Customer Service at 800.234.5354

  • Order new cards
  • Order replacement cards
  • Lost or stolen cards
  • Payment inquiries/research
  • Declined transaction inquiries

For all other questions: Call DCU Member Service at 508.263.6700

  • Process and approve a new application
  • Increase credit limits
  • Change a specific card limit for a cardholder
  • Change of business address
  • Change and/or remove business officers
  • Add and/or remove card holder
  • Late fees inquiries
  • Payment research

Refer to DCU's Visa Business Platinum Card Agreement and Disclosure Statement.

Visa Business Credit Card Rates

Annual Percentage Rate (APR) for Purchases, Balance Transfers, and Cash Advances:
DCU Visa Business Platinum Credit Cards (Business Basic or Business Plus)
As low as 9.99%
Prime* Plus 5.00% (minimum APR 9.99%)
(See Variable Rate Information below)
Variable-Rate Information Your APR may change monthly. The rate for purchases, cash advances, and balance transfers is determined by adding a "margin" ranging from 5.00% to 13.00% (based upon your credit history) to the Prime Rate.*
Cash Advance Transaction fee None. There is no grace period on cash advances.
Grace Period for Repayment of NEW Purchases Not less than 25 days on new purchase amounts if the total New Balance is paid in full each month by the Payment Due Date on your billing statement and there is no cash advance activity.
Minimum Payment "Required Payment Due" shown on my statement.
Annual Fees NONE
Payment Processing Payments received by 4 p.m. Eastern time will be credited to your account the next business day. Payments received after 4 p.m. Eastern time will be credited to your account the second business day.
Payments Mail - Address noted on the statement
In Person - Any DCU branch
Pre-Authorized Recurring Transfers (ACH Origination) - Request Form (.pdf format)
Online scheduled payments through MyCardInfo (Business Plus Only)
Minimum Finance Charge NONE
Foreign Currency Conversion Fee NONE
Overdraft Protection DCU Visa Business Platinum Credit Card (Business Basic only) can be used for overdraft protection.
Various Fees Balance Transfer fee: NONE
Late Payment fee: Up to $45.00 per occurrence
Overlimit fee: Up to $45.00 per occurrence
Return check fee: Up to $25.00 per occurrence

* The Prime Rate used to determine your Annual Percentage Rate (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.

** At any time your Account becomes sixty (60) days past due in any 24 month period, FINANCE CHARGES on the entire balance will be calculated at the Penalty Pricing Rate of 18% APR.

Please contact us at any branch, by email, or by calling 508.263.6700 if you wish to ascertain what changes, if any, have been made to DCU Visa Business Platinum Credit Cards.

Additional Fees

  • Up to $25 – Replacement Fee
  • Up to $45 – Rush Fee per card
  • Up to $75 – Same day Rush Fee per card
  • Up to $2 – Statement copy request
DCU Visa Business Platinum Plus is rated 4.3 out of 5 by 6.
Rated 5 out of 5 by from Excellent service Can't be any happier, excellent products and rarely a fee.
Date published: 2017-08-30
Rated 5 out of 5 by from Business Visa The member service response was quick and decision made with in two days. The credit card has great features for small business needs.
Date published: 2017-06-03
Rated 5 out of 5 by from Very happy with this card Low interest rates and no monthly fees are a big advantage to choosing this card over other banks
Date published: 2017-01-14
Rated 5 out of 5 by from Very Good bank This bank very good help me a lot I'm so happy for this bank
Date published: 2016-08-20
Rated 4 out of 5 by from Good usage Less APR, good service. Easy accessible locations and recommended to all small businesses
Date published: 2014-09-20
Rated 2 out of 5 by from Process is extremely lengthy This process was extremely lengthy. I do understand there are some security precautions that must be taken, but it was from you guys not receiving my emails that I had to send twice to not receiving my membership number yet. I just barely received my card but do not feel like using it yet until I have my membership number so I can log in And pay my dues.
Date published: 2014-11-08
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What is required for income verification to qualify for a Business VISA?

Asked by: DCU Member
We require two years of business and/or personal tax returns. Requirements may vary depending upon how long your business has been established or if a Sole Proprietorship.
Answered by: DCU Staff
Date published: 2013-10-23

Can I write a check in Euros?

I need to write a check to a business in Germany and the require payment to be in Euros. Can I just write the check and indicate that the currency should be Euros?
Asked by: Scott
In order to be able to process the check it would need to be written in US Dollars. You can send a wire transfer from your account and have the funds sent in the foriegn currency.
Answered by: DCU Staff
Date published: 2014-08-09

Is there a charge or fee associated with cash advance on the business credit card especially when travelling abroad and withdrawing money locally?

Asked by: SB
The Foreign Currency Conversion fee with a Business Visa is 2% and the Cash Advance fee is 3%. Both fees are based on occurrence.
Answered by: DCU Staff
Date published: 2013-10-23

Does DCU charge a conversion fee for using my VISA outside of the United States?

Asked by: DCU Member
Yes, there is a 2% Foreign Currency Conversion fee assessed for all international transactions processed through VISA. This fee will post as a separate transaction after the charge itself posts.
Answered by: DCU Staff
Date published: 2017-10-15

How do I transfer a balance to my DCU Visa® card?

Asked by: DCU Member
You can transfer a balance to your DCU Visa in several different ways. 1) By logging into PC Branch, you can take a cash advance from your Visa into your checking account. Then, simply contact your credit card company to payoff the balance on your other card. You can write them a check, or use Bill Payer to access these funds. 2) DCU offers Visa checks to our members as well. These are paper checks that are drawn off your Visa line instead of from your checking account. Using a Visa check will pay off another credit card directly while placing the balance on your DCU Visa. Please be aware that each of these methods does constitute a cash advance from your card. Additional finance charges will apply. For details, or if you have questions, please contact DCU's Information Center at 800.328.8797, or at dcu@dcu.org.
Answered by: DCU Staff
Date published: 2013-10-23
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Easy Ways To Apply Today

Apply today, and make DCU's Visa Business Platinum Credit Card part of your business plan. Just fill out a DCU Visa Business Platinum Application (in pdf format). Take the completed form and do one of the following:

  • Fax to 866.733.8009
  • Bring it to any DCU branch
  • Mail it to:
    Digital Federal Credit Union
    Visa Business Platinum – Commercial Lending
    220 Donald Lynch Blvd
    PO Box 9130
    Marlborough, MA 01752-9130