DCU Visa® Platinum Rewards Credit Card review | finder.com

DCU Visa® Platinum Rewards Credit Card review

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DCU Visa® Platinum Rewards Credit Card

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.
Product NameDCU Visa® Platinum Rewards Credit Card
Card TypeVisa
Annual Fee$0
Standard Purchase APR13.5% to 18% variable
Intro Purchase APR

N/A

Standard Balance Transfer APR13.5% to 18% variable
Intro Balance Transfer APR

N/A

Balance Transfer FeeNone
Cash Advance Rate13.5% to 18% variable
Cash Advance FeeNone
Foreign Transaction FeeNone
Interest Free PeriodUp to 25 days
Late Payment FeeUp to $35
Minimum Age18 years of age
Rewards1x points on all purchases
Base Rewards1x points

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

HSBC Cash Rewards Mastercard® credit card

  • Earn unlimited 1.5% cash rewards on all purchases.
  • Earn an Introductory 3% cash back on all purchases in the first 12 months from account opening, up to the first $10,000 in purchases
  • 10% anniversary bonus on all cash rewards earned once a year.
  • No annual fee.
  • 0% intro APR for 12 months on purchases and balance transfers, then a 15.24%, 19.24% or 25.24% variable APR.
  • No foreign transaction fees.
  • $0 liability for unauthorized purchases.
  • Terms apply.
  • See rates & 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 13.5% 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
$150 after spending $1,000 in the first 3 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
$0
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
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
$0
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
3% cash back bonus on up to $10,000 in the first 12 months, then 1.5%
3% cash back on up to $10,000 in the first 12 months, then 1.5% on all purchases
$0
Earn 3% cash back on up to $10,000 in the first 12 months, then 1.5% on all purchases. See Rates and Fees.
$150 after spending $1,000 in the first 3 months
1.5% cash back on all purchases
$0
Earn a $150 statement credit after you spend $1,000 or more in purchases with your new card within the first 3 months of card membership. Rates & fees
60,000 points after spending $5,000 in your first 3 months
5x points on directly-booked flights or on flights and hotels on Amex Travel. 1x points on all other purchases
$550
Get 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5x points on eligible hotels booked on amextravel.com. 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.

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