
DCU Visa® Platinum Secured Credit Card
DCU Visa® Platinum Secured Credit Card

DCU Visa® Platinum Secured Credit Card
Card details
Embedded EMV chip - this tiny chip protects your information in a big way.
Mobile Wallet Compatible - works with Apple Pay®, Google Pay™, and Samsung® Pay.
Optional overdraft protection - We’ll transfer the balance of any overdrafts from your DCU checking account to your DCU Visa Platinum account up to your available limit.
Rates, fees & offers
Annual fee
$0
Rewards rate
N/A
Bonus offer
N/A
Intro APR
N/A
Ongoing APR
APR: 15.25% Variable APR
Penalty APR: 18.00%, Variable
Balance transfer fee
None
Foreign transaction fee
None
Recommended credit score
Compare to other cards
Learn more | ||
Annual fee$0 | Annual fee$0 | Annual fee$0 |
Regular APR16.24%-26.24% Variable APR | ||
Intro APRN/A | Intro APR0% intro APR on purchases for 12 months from the date of account opening | Intro APR0% intro APR on Purchases for 21 billing cycles and 0% intro APR on Balance Transfers for 21 billing cycles for any balance transfers made in the first 60 days |
Recommended Credit Score |
Recommended Credit Score |
Recommended Credit Score |
NerdWallet review
By Ben Luthi
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Rating details
3.6
Editor's overall rating
Pros and cons
Pros
No annual fee
Reports to the three major credit bureaus
Qualify with limited/bad credit
No foreign transaction fees
Cons
No rewards
Must be a member/customer
Requires minimum deposit
If you have bad credit or no credit, the DCU Visa® Platinum Secured Credit Card is one of the top secured credit cards available. The main reason is that it's generous on fees. The $0, and there is no balance transfer fee or cash advance fee.
Another perk is the DCU Visa® Platinum Secured Credit Card’s interest rate: The ongoing APR is 15.25% Variable — relatively low. The card reports your credit activity to all three credit bureaus, helping you establish positive credit history more quickly. Plus, it doesn't put a cap on how high your credit limit can be — as long as you have enough cash to secure it with a collateral deposit.
A couple of things to consider: The DCU Visa® Platinum Secured Credit Card doesn't offer rewards, and it requires cardholders to become Digital Federal Credit Union members. If you want more information, check out our full review.