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DCU Visa® Platinum Secured Credit Card

Establish or improve your credit history

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DCU Visa Platinum Secured Credit Card Features

  • Secured card rates well below the national average
  • Borrow against your DCU savings account
  • 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 Secured Credit Card Details

Unlike most secured credit cards on the market, DCU's Visa Platinum Secured Credit Card is a great value. You get all of the benefits of DCU's Visa Platinum Credit Card listed below as well as dividends on the savings you borrow against. If you are looking to establish or improve your credit history, this program is a great way to get started.

DCU Visa Platinum Secured Credit Card Benefits

  • Low Rates – Save over other secured credit card rates.
  • 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 $500,000 in free Travel Insurance Coverage when you charge tickets on any carrier such as 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 by VisaLearn more
  • Embedded EMV chip to protect your information – DCU Visa® Platinum Secured Credit Cards now come with chip technology built right in. This tiny chip protects your information in a big way.

**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 Secured is rated 4.2 out of 5 by 50.
Rated 5 out of 5 by from Improve credit This is one of the best way to improve your credit !!
Date published: 2018-06-03
Rated 5 out of 5 by from Great tool to help rebuild my credit. Easy to get easy to use. Good tool to help rebuild my credit.
Date published: 2017-04-01
Rated 5 out of 5 by from if you have less than a stellar credit score this is a great product if you have made a few mistakes along the way with your credit. look into this secured card. dcu makes it simple, I applied online and got a reply immediately. the process is quick and easy to understand. included is a chance to build your credit and no annual fee . no annual fee, that's a big benefit.
Date published: 2017-02-22
Rated 5 out of 5 by from This product is excellent. DCU platinum visa has one of the lowest interest and I recommend this product to anyone.
Date published: 2016-05-26
Rated 5 out of 5 by from Above and Beyond I was reached by DCU and was given a chance wit their secure credit card. Per the loan officer due to my account directs deposits and long time membership they went ahead and gave me an exception. Typically with creditors you never get that one on one with the reps the lending department, I truly appreciate DCU giving me a chance. I'm in the process of trying to rebuild my credit and this is going to help me greatly. Thank You DCU!
Date published: 2016-04-11
Rated 5 out of 5 by from fund your card Everything is pretty straight forward, and the customer service will try, and ask their supervisor, anything to try and help you.
Date published: 2015-02-14
Rated 5 out of 5 by from Great Start!! I just recently became a member with DCU and opened a saving account with them and a secured Visa. It was a true pleasure dealing with them, the reps were so helpful. Thanks DCU for this opportunity.
Date published: 2015-01-24
Rated 5 out of 5 by from DCU Secured Visa is a great card The application process for the card was easy and straightforward, and It has the best features of any secured card that I investigated. Since it links to my savings and checking accounts I can keep track of all my banking transactions in one place.
Date published: 2015-01-03
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Is the account noted as secured when reported to the credit bureaus?

Some accounts report as a secured card which I read could impact my credit negatively. Does the DCU secured card report as secured?
Asked by: RebuildOnTheRise
This account appeared on my credit report as an open credit card account. In fact my credit score increased within 60 days by 36 points after I opened this account. If you are looking to rebuild a positive credit history this is a great start.
Answered by: Joe Isuzu
Date published: 2015-03-02

Out of State

I live in Pennsylvania and don't have an account with you. Am I able to open an account, fund it, and then apply for a secured card all without being near a branch?
Asked by: mh1361
I live in Brooklyn, NY and I applied for an secured card from my living room. I was able to write a check to open an account and fund the secured amount requested for my secured Visa card from my lPad. It was fast efficient and I received approval in about 48 hours.
Answered by: Joe Isuzu
Date published: 2014-07-12

Will opening an secured visa and a saving account lower my credit score?

My question is basically; is the credit card a soft pull credit card? I want to use this card to rebuild my bad credit. I don't want the credit card inquiry process to lower the score.
Asked by: Howard
Definitely yes, it you apply for a secured card, they will in fact make a hard inquiry on your credit history, and most likely it will lower your score and this is a fact.
Answered by: Fooled
Date published: 2018-06-30

is DCU's report to major credit bureaus reported as a secured credit card?

Asked by: Lfish61
DCU reports this secured Visa account to all three major credit bureaus, however it does NOT report as a "secured" credit card. The account reports as an open credit card account. I hope this helps.
Answered by: Joe Isuzu
Date published: 2015-04-01

Do I need an account to get a secured credit card through this bank

Asked by: John
Yes you do however the minimum deposit is $5.00. That's a small investment to the benefits of a low APR, no annual fee, and friendly customer service. Good luck!
Answered by: Joe Isuzu
Date published: 2015-08-21
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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.