**APRs (Annual Percentage Rates) are as of January 1, 2020. Our Visa Platinum has an APR as low as 10.00%, Visa Platinum Rewards has an APR as low as 12.75% and Visa Platinum Secured has an APR as low as 13.00%. Your APR is based on your personal credit history at account opening, so it could be higher. APRs are variable, tied to the Prime Rate, and can change monthly after the account is opened. Maximum APR is 18%. Restrictions may apply. For more information, refer to DCU's Visa Credit Card Agreement and Federal Truth-in-Lending Disclosure Statement.
Carrying a balance from month to month on a high rate credit or store card can cost you literally hundreds of dollars in interest every year. With interest rates way below the national average, a DCU Visa Platinum card can save you money every month. Plus, we don't charge a monthly or annual fee.
Pay off those high rate bank and store credit cards with a balance transfer to your DCU Visa Platinum. You'll get the same low rate on balance transfers as you do on purchases.
Transferring a balance to a low rate DCU Visa Platinum Card has never been easier than it is with our Online Balance Transfer option in Account Manager.
Whether you're paying off another Visa, MasterCard, American Express, Discover, or even a store (Best Buy, Target, Walmart, Kohl's, Apple, etc.) card, you'll receive notification if your balance transfer was successful.
Once your balance transfer is complete, you'll see the requested amount added immediately to the balance of your DCU Visa account. This will show up as a Cash Advance on your monthly statement, but rest assured that you're still paying the same low rate as you would for regular purchase.
After the transfer, be sure to keep an eye on the account that you are paying off. While most transfers will happen in a matter of a few business days, others may take longer depending on how the card issuer processes its payments.