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: 13.75%, Variable

  • Foreign transaction fee

    None

Recommended credit score

Not sure which card is best for you?

Take a simple quiz to find out

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.