DCU Visa® Platinum Credit Card

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Recommended Credit Score

Good to Excellent (670 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Annual Fee:
Purchase Intro APR:
Regular APR:
10.75% - 18.00% Variable
Terms and Restrictions Apply | Rates and Fees

Bankrate Rating

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The DCU Visa Platinum Card comes from Digital Federal Credit Union, with branches in Massachusetts and New Hampshire. This is a no-frills card that offers a truly low APR, starting at 9.50%, for people who qualify.


Members of DCU Federal Credit Union are eligible for the DCU line of Visa cards, including this one – which is perhaps the most lackluster of its lineup. The DCU Visa Platinum Card is not a rewards card, so you’re not going to earn points on spending. In fact, the only perks you’ll get are basic credit card extras like car rental collision and theft coverage as well as warranty extensions on purchases made on the card.

The highlight of this card is the APR, which, for people with the best credit, begins at just 9.50%. If your credit falls short, however, you can end up paying an APR of 18%, which is still not terrible compared with most cards on the market.

Becoming a member of the DCU Federal Credit Union is fairly easy. If you don’t live in or work at eligible places – which are located in New England — you can join one of its approved nonprofits. That affiliation will qualify you for credit union membership. Of course, any money you donate to a nonprofit is tax deductible, so it might be worth the effort if you want this card.

Who should get this card

This card pales next to most cards that require good credit, which is the minimum to qualify. Without any notable perks or a rewards program, it doesn’t make sense to get this card unless you are specifically looking for a low APR.

The best candidates for this card are people who already have a DCU account and want a free card with a low APR as an emergency back-up.

Fees and APR

    • The variable APR starts on the low end of the spectrum at 9.50% and goes to 18.00%, based on your creditworthiness
    • You’ll pay no annual fee.
    • There are no charges for cash advances.
    • Cardholders won’t pay balance transfer fees.
    • There is a late payment fee of up to $35.

Extras, perks and using points

You’ll get free car rental collision damage coverage, which means you’re covered for collision damage or theft.

It comes with complimentary extended warranty coverage on most purchases you make on the card.

If you have a DCU checking account, you can get optional overdraft protection.