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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

11.25% to 18%

Purchase APR (variable)


Recommended credit score


Product NameDCU Visa® Platinum Rewards Credit Card
Card typeVisa
Annual fee$0
Purchase APR11.25% to 18% variable
Balance transfer APR11.25% to 18% variable
Balance transfer feeNone
Cash advance rate11.25% to 18% variable
Cash advance feeNone
Penalty APR18% fixed
Foreign transaction feeNone
Interest free periodUp to 25 days
Late payment feeUp to $35

Expert review

Kliment Dukovski

Review by

Kliment Dukovski is a credit cards writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

The DCU Visa® Platinum Rewards Credit Card comes with valuable features that might prove worth it if you’re a member of the DCU. It offers 1x points on all purchases, a potentially low APR, and zero fees.

No fees is always a welcome feature, though there are some downsides to this card that keep it from being a must have. The rewards rate on this card is below the industry standard for a flat rate credit card. It also doesn’t come with a signup bonus or a 0% intro APR period.

If you’re interested in a simple, no-fee card, you might find some value in this card. However, there are similar cards on the market with better rewards.

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.

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 11.25% 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.

Compare rewards credit cards

Name Product Welcome offer Rewards Annual fee Filter values
Blue Cash Preferred® Card from American Express
$250 after spending $1,000 in the first 3 months
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $250. This heavy-hitter rewards card has uncontested value. Rates & fees
Blue Cash Everyday® Card from American Express
20% at up to $200 back in the first 6 months, plus $100 after spending $1,000 in the same timeframe
20% at up to $200 back in the first 6 months, 2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
This everyday cashback card is ideal for Black Friday and holiday shopping with 20% back at up to $200 back in the first 6 months. Rates & fees
Chase Freedom Flex℠
$200 after spending $500 in the first 3 months
5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
Chase Sapphire Preferred® Card
60,000 points after spending $4,000 in the first 3 months, a value of up to $750 through Chase Ultimate Rewards
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
Earn a signup bonus worth $750 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.
Citi® Double Cash Card
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.

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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