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DCU Visa® Platinum Rewards Credit Card review

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.

1x points on all purchases



Annual fee

11.25% to 18% variable

Purchase APR


Minimum Credit Score


Annual fee$0
Welcome offerN/A
Rewards1x points on all purchases
Purchase APR11.25% to 18% variable
Balance transfer APR11.25% to 18% variable
Minimum Credit Score630

Review by

Kliment Dukovski is a credit cards and investments 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
$300 statement credit after spending $3,000 in the first 6 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 other purchases (redeem as statement credit)
$0 intro annual fee for the first year ($95 thereafter)
Earn a $300 statement credit after you spend $3,000 in purchases on your new card within the first 6 months. Having 6 months to earn a welcome offer is a rare benefit as most cards give you only 3. Terms apply, see rates & fees
Capital One Venture Rewards Credit Card
Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel
Earn unlimited 2x miles on every purchase, every day
Earn 60,000 bonus miles once you spend $3,000 on purchases within the first 3 months ​from account opening
Capital One Quicksilver Cash Rewards Credit Card
One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Earn unlimited 1.5% cash back on every purchase, every day
One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening

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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