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DCU Visa® Platinum Rewards Credit Card review

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A no-annual-fee credit card with a low APR and rewards on purchases.

  • Get this card if you are a member of the Digital Federal Credit Union and want to earn rewards on purchases.
  • Pick something else if you want an intro APR period on balance transfers and purchases.
  • Apply with a fair to an excellent credit score of 630 or higher.

Up to 1x



Annual fee

13% to 18%

Purchase APR (variable)


Recommended credit score


Product NameDCU Visa® Platinum Rewards Credit Card
Card typeVisa
Annual fee$0
Purchase APR13% to 18% variable
Balance transfer APR13% to 18% variable
Balance transfer feeNone
Cash advance rate13% to 18% variable
Cash advance feeNone
Penalty APR18% fixed
Foreign transaction feeNone
Interest free periodUp to 25 days
Late payment feeUp to $35

The basics

While the DCU Visa® Platinum Rewards Credit Card comes with valuable features such as a potentially low APR, opportunities to earn rewards and to save money on cash advance and balance transfer fees, there are a few drawbacks: it doesn’t come with a signup bonus or a 0% intro APR period. Learn more about this card to see if it’s right for you.

Another credit card with unlimited rewards

Capital One® Quicksilver® Cash Rewards Credit Card

  • Earn $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn 1.5% cash back on all purchases
  • 0% intro APR on purchases and balance transfers for 15 months; 15.74%-25.74% variable APR after that. Pay just 3% fee on balances transferred within the first 15 months
  • No annual fee
  • No foreign transaction fees
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Card benefits

  • Reward points.
    Earn 1x points on all purchases. This isn’t a competitive rewards rate as most similar cards offer 1.5x points.
  • No fees.
    You won’t pay an annual fee, balance transfer fee, foreign transaction fee or cash advance fee.
  • Potentially low APR.
    The APR you get depends on your creditworthiness and can be from 13% to 18%. Other cards can have up to 28% APR.

What to watch out for

  • No signup bonus.
    You won’t be able to earn a signup bonus with this card. Compare credit cards with bonus offers if that’s what you’re looking for.
  • No intro APR period.
    The card comes with potentially low APR, but that can’t beat a 0% intro APR credit cards when looking to save money on interest payments.

How to apply for the DCU Visa® Platinum Rewards Credit Card

  1. Visit the DCU website and locate the DCU Visa® Platinum Rewards Credit Card.
  2. Click Apply now.
  3. Select New Visa and select credit card from the dropdown menu.
  4. Fill out the application form.
  5. Review the form and submit.

What credit score do I need?

You need a fair to an excellent credit score of 630 or higher.

Compare rewards credit cards

Name Product Welcome offer Rewards Annual fee Filter values
20,000 miles after spending $1,000 in the first 3 months
1.25x miles on all purchases and 10x miles at hotels.com/venture
Earn 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months from account opening.
1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
75,000 points after spending $1,000 in the first 3 months
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
Earn 75,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & fees
$150 cash back after spending $500 in the first 3 months
1.5% cash back on all purchases
Earn unlimited 1.5% cash back on every purchase, every day.
$150 after spending $500 in the first 90 days
5% on up to $2,000 each activated quarter on two categories combined (1% after), 2% on one everyday category and 1% on all other purchases
When you spend $500 on your card within the first 90 days, you’ll receive a $150 cash back bonus. Rates & Fees

Compare up to 4 providers

Bottom line

DCU members who want to earn rewards on their purchases and save money on potentially low APR may find the DCU Visa® Platinum Rewards Credit Card useful. However, the rewards rate may not be as attractive as similar cards would offer.

Before you apply for a card, make sure you compare your credit card options until you find the right card for your financial needs.

Frequently asked questions

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