DCU Visa® Platinum Secured Credit Card
Could help with building or rebuilding your credit – with responsible use.
- 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
- Great Visa benefits on travel, live music, and more.
Features & Benefits
This low-rate card allows you to borrow against your DCU Primary Savings account – which could help with building or rebuilding your credit.
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 Secured Credit Card Rates¹
RATES
15.75%
lowest apr for purchases
15.75%
lowest apr for balance transfers
15.75%
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 April 27, 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® PLATINUM
Enjoy a credit card with a rate below the national average.
- Rates as low as 12.75% APR
- Pay down larger purchases faster and over a shorter period of time
- Good for carrying a balance or paying down debt
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
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).
