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

DCU Visa® Platinum Secured Credit Card
Card details
Secured card rates well below the national average
Borrow against your DCU savings account
No Annual Fee*
No Fees or Higher Rates for Cash Advances and Balance Transfers
Works with Apple Pay®, Google Pay™, and Samsung Pay
Insurance, car rental, travel, and warranty benefits
Optional Overdraft Protection On Your DCU Checking
Buy online easily and safely with Visa Checkout
Embedded EMV chip to protect your card information
Rates, fees & offers
Annual fee
$0
Rewards rate
N/A
Bonus offer
N/A
Intro APR
N/A
Ongoing APR
APR: 13.00% 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$75 | Annual fee$0 |
Regular APR18.24%-26.24% Variable APR | ||
Intro APRN/A | Intro APRN/A | Intro APR0% intro APR on purchases for 12 months from the date of account opening |
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 13.00% 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.