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

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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: 14.50% Variable APR

    Penalty APR: 18.00%, Variable

  • Balance transfer fee

    None

  • Foreign transaction fee

    None

Recommended credit score

Compare to other cards

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Learn moreLearn more
Annual fee

$0

Annual fee

$0

Annual fee

$0

Regular APR

14.50% Variable

Rates & Fees

Regular APR

26.74% Variable APR

Rates & Fees

Regular APR

18.00%, Variable

Rates & Fees

Intro APR

N/A

Intro APR

10.99% intro APR on Balance Transfers for 6 months

Intro APR

N/A

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Ben Luthi

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

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 14.50% 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.