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
11.25% to 18%
Purchase APR (variable)
Recommended credit score
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.
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
- 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.
- 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
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.