DCU Visa® Platinum Credit Card
Enjoy a credit card with a rate below the national average.*
- No annual, balance transfer, foreign transaction, or cash advance fees1
- Fraud notifications and the ability to freeze/unfreeze your credit card
- Tap-to-Pay functionality
Features & Benefits
With a rate below the national average*, this credit card is perfect for consolidating debt and paying down larger purchases faster over a shorter period of time. If you need to carry a balance, it’s good for that too.
Mobile Wallet Compatible
When you add your DCU credit or debit card to your Mobile Wallet and make a purchase, your personal information is encrypted – so even if retailer is hacked, your cards won’t be compromised.
Monthly Fico® Score2
You’ll have free access to your credit score based on Equifax data each month. Plus, you’ll receive two reasons why your score is what it is.
Identity Theft Protection With NortonLifeLock
Get ID Navigator and stay informed against identity theft. Plus, get dark web monitoring, stolen wallet assist, and data breach notifications.
Extended Warranty With Warranty Manager Service
This feature allows you to extend the warranties of eligible items purchased with your Visa® card.
Same-Day Delivery From Local Grocery Stores With Shipt.
Visa® credit cardholders get a free membership, which includes free same-day delivery on orders $35+. Offer terms apply.
Live Music Experiences With Sofar Sounds
Get presale access to tickets to events all over the globe with your Visa card – and be eligible for a free ticket with your purchase.
Protect Yourself With Travel Accident Insurance.
When you purchase airline tickets with your Visa card, you and your family will be protected in case of emergency.
Visa Platinum Credit Card Rates¹
RATES
12.75%
lowest apr for purchases
12.75%
lowest apr for balance transfers
12.75%
lowest apr for cash advances
FEES
$0 annual fee
$0 balance transfer fee
$0 cash advance fee
$0 Foreign Transaction Fee
Rates are effective as of March 31, 2025
¹APR = Annual Percentage Rates are determined by your creditworthiness at time of opening. Rates are variable and will vary with the market based on the Prime Rate and can change monthly. Maximum rate is 18%. Please refer to DCU's VISA Credit Card Agreement for Consumers for full applicable terms and conditions.
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Apply in 3 Easy Steps
TELL US ABOUT YOURSELF.
Fill in the personal and financial information sections of the application.
CHOOSE YOUR CREDIT CARD TYPE.
Determine how much you can afford and research financing options.
REVIEW AND SUBMIT.
Make sure your information is correct and submit. It’s that simple.
How long will it take to pay off my credit card?
Credit Card or Loan Information
Estimated number of payments will be
Explore our other Credit Cards
VISA® SIGNATURE CASH REWARDS
This credit card that has a great rate and even greater rewards.
- Rates as low as 15.50% APR
- Earn rewards on everyday purchases
- Redeem points for cash back, travel, gift cards, and much more
VISA® PLATINUM SECURED
Could help with building or rebuilding your credit.
- Rates as low as 15.75% APR
- Establish or rebuild your credit with responsible use
- Borrow against your available savings balance
²FICO® is a registered trademark of Fair Isaac Corporation in the United States and other countries. DCU and Fair Isaac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. DCU and Fair Isaac do not provide “credit repair” services or advice or assistance regarding “rebuilding” or “improving” your credit record, credit history or credit rating.
*The national average annual percentage rate (“APR”) for credit card accounts is updated monthly, please refer to the Federal Reserve (Federal Reserve Board - Consumer Credit - G.19).
