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.
Up to 1x
13% to 18%
Purchase APR (variable)
Recommended credit score
|Product Name||DCU Visa® Platinum Rewards Credit Card|
|Purchase APR||13% to 18% variable|
|Balance transfer APR||13% to 18% variable|
|Balance transfer fee||None|
|Cash advance rate||13% to 18% variable|
|Cash advance fee||None|
|Penalty APR||18% fixed|
|Foreign transaction fee||None|
|Interest free period||Up to 25 days|
|Late payment fee||Up to $35|
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.
- 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
- Visit the DCU website and locate the DCU Visa® Platinum Rewards Credit Card.
- Click Apply now.
- Select New Visa and select credit card from the dropdown menu.
- Fill out the application form.
- 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
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.