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DCU Visa® Platinum Rewards

Earn points on every purchase

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DCU Visa Platinum Rewards Features

  • Earn points on every purchase
  • Redeem for travel, merchandise, gift cards, and more
  • Low Interest Rates
  • No Annual Fee
  • No Fees or Higher Rates for Cash Advances and Balance Transfers
  • Works with Apple Pay®, Google Pay, and Samsung Pay
  • Insurance, car rental, travel, and warranty benefits
  • Optional Overdraft Protection on your DCU Checking
  • Buy online easily and safely with Visa Checkout
  • Embedded EMV chip to protect your card information

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.

For more information refer to DCU's VISA Credit Card Agreement and Federal Truth-in-Lending Disclosure Statement.

DCU Visa Platinum Rewards Details

Shop for the things you need and earn the things you want...

  • Earn everyday points – Use your DCU Visa Platinum Rewards for everyday purchases and earn points toward hundreds of rewards. You will earn 1 point for every $1 spent. It's that easy!
  • Earn bonus points – Two ways to earn using your DCU Visa Platinum Rewards...
    1. Shop our Perks Points Mall – Shop our online network of top national and regional merchants through the Perks Points Mall. You can browse through hundreds of popular online merchants. You will earn an additional 5 bonus points for every $1 spent for all transactions using your DCU Visa Platinum Rewards.
    2. Shop our More Points online store – More Points rewards you with incredible savings and 3 extra points for each $1 you spend using your rewards card on the More Points site.

    Log into and select "Perks" from the top menu bar to get started today.

  • Redeem your points – You can redeem your point for hundreds of rewards including gift cards, merchandise, travel, experiences, green products, and charitable donations. Visit to redeem or call 800.657.8156 seven days a week, 24 hours a day.
  • Enjoy Your Points Sooner – Points are credited to your account once a day, so you can enjoy your rewards faster.
  • See Your Point Balance Anytime – Just log into

DCU Visa Platinum Rewards Benefits

  • Low Everyday Rates – Save over other bank and store cards with a rate well below the national average. Transfer your higher interest credit card balances to your DCU Visa Credit Card and start saving immediately.
  • 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 Savings or Checking 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, Google Pay, and Samsung Pay – Enjoy all the benefits of your DCU Visa Platinum Card using your mobile device to pay at millions of stores and within apps. 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 free $500,000 Travel Insurance Coverage when you charge tickets on any carrier (airline, train, ship, or bus), you're automatically covered. 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
  • Embedded EMV chip to protect your information – DCU Visa® Platinum Rewards Credit Cards now come with chip technology built right in. This tiny chip protects your information in a big way.

For more information refer to DCU's VISA Credit Card Agreement and Federal Truth-in-Lending Disclosure Statement.

**Review your account agreement for details

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. 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

Visa Additional Federal Disclosure Table

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.

DCU Visa Platinum Rewards is rated 4.1 out of 5 by 107.
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
Rated 5 out of 5 by from Good card and even better service! Good rewards structure, great APR rate and site is easy to navigate to manage your card and other accounts. The free Equifax FICO score every month is a nice bonus to have as well. The approval process was very straight forward and Emily went above and beyond to answer all my questions this week. Outstanding service! Two thumbs up for DCU.
Date published: 2017-09-16
Rated 5 out of 5 by from Great product The process to get this card was simple and the benefits are great.
Date published: 2017-09-03
Rated 5 out of 5 by from Awesome service from DCU Dcu support was helpful in making choice for reward card....
Date published: 2017-08-14
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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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Easy Ways To Apply Today

Before you apply, please refer to the Details tab for important information.

  1. Apply Online
  2. By Phone
    Call 508.263.6700 and press 3
  3. Visit a DCU Branch

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.