DCU Visa® Platinum Secured Credit Card

DCU Visa® Platinum Secured Credit Card

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: 13.75%, Variable

    Penalty APR: Up to 18.00%, Variable

    Cash Advance APR: 11.50%, Variable

  • Foreign transaction fee

    None

Recommended credit score

Compare to other cards

Digital Federal Credit Union Visa Platinum Secured Credit Card Credit Card

DCU Visa® Platinum Secured Credit Card

Learn more
Annual Fee

$0

Annual Fee

$0

Annual Fee

$0

Regular APR

13.75%, Variable

Regular APR

13.99% - 23.99% Variable APR

Regular APR

22.99% Variable APR

Rates & Fees

Intro APR

N/A

Intro APR

0% on Balance Transfers for 18 months

Intro APR

10.99% intro APR on Balance Transfers for 6 months

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

Wondering if this card is the best match for you?

Wondering if this card is the best match for you?

Wondering if this card is the best match for you?

Just tell us some details and see which card matches your needs most.

Just tell us some details and see which card matches your needs most.

NerdWallet review

By Ben Luthi

Rating details

3.7

Editor's overall rating

Pros and cons

Pros
  • Qualify with limited / bad credit

  • No annual fee

  • No foreign transaction fee

Cons
  • No rewards

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 13.75%, 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.