| Category | Rate | Type | Cap |
|---|---|---|---|
|
All Other Purchases
The DCU Visa Platinum Credit Card does not earn any rewards or cash back on purchases; it is a low-rate card focused on a low APR with no rewards program.
|
0x | Cash Back | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
Low Variable APR
The card offers a variable APR starting as low as 12.00% on purchases, balance transfers, and cash advances, with a maximum rate of 18%, which is well below the national credit card average.
|
Financial | As low as 12.00% APR |
|
No Annual Fee
The DCU Visa® Platinum Credit Card carries no annual fee for cardholders.
|
Financial |
$0
Up to $0
|
|
No Balance Transfer Fee
Balance transfers to the DCU Visa® Platinum Credit Card are processed with no transfer fee.
|
Financial |
$0
Up to $0
|
|
No Cash Advance Fee
Cash advances on the DCU Visa® Platinum Credit Card are processed with no cash advance fee.
|
Financial |
$0
Up to $0
|
|
No Foreign Transaction Fee
No foreign transaction fees are charged on purchases made outside the United States.
|
Financial |
$0
Up to $0
|
|
Dovly Uplift™ Credit Engine
Cardholders have access to Dovly Uplift™, a smart credit engine that works to identify and remove inaccuracies from credit reports to help improve credit scores.
|
Other | Complimentary |
|
Monthly FICO® Score
Cardholders receive free access to their FICO® credit score based on Equifax data each month, along with two key reasons explaining the score.
|
Other | Complimentary |
|
Card Freeze / Unfreeze
Cardholders can instantly freeze or unfreeze their credit card through DCU's digital banking app or online banking if the card is lost, misplaced, or suspected compromised.
|
Security | Complimentary |
|
Fraud Notifications
Cardholders receive real-time fraud alerts and notifications to help identify and respond to suspicious activity on their account.
|
Security | Complimentary |
|
Mobile Wallet Compatibility
The card can be added to mobile wallets including Apple Pay, Google Pay, and Samsung Pay; personal card information is encrypted so it is not exposed even if a retailer is hacked.
|
Shopping | Complimentary |
|
Tap-to-Pay Contactless Payments
The card supports tap-to-pay contactless technology for fast and secure payments at NFC-enabled terminals.
|
Shopping | Complimentary |
|
Visa Roadside Dispatch®
A pay-per-use roadside assistance program offering services such as towing and locksmith assistance at pre-negotiated rates, available 24/7; the cardholder pays for services used, not a subscription fee.
|
Travel | Pay-per-use, 24/7 access |
