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

Loading

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

    Purchase: 11.50%, 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

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Learn more
Annual Fee

$0

Annual Fee

$95

Annual Fee

$0

Regular APR

11.50% Variable

Regular APR

15.99% - 22.99% Variable APR

Regular APR

12.99% - 22.99% Variable APR

Intro APR

N/A

Intro APR

N/A

Intro APR

0% intro APR for 18 billing cycles on purchases and on any balance transfers made within 60 days of account opening

Recommended Credit Score
Recommended Credit Score
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 11.50% 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.