| Category | Rate | Type | Cap |
|---|---|---|---|
|
All Other Purchases
The DCU Visa Platinum Secured Credit Card does not earn any rewards or cash back on purchases; it is a secured, credit-building card focused on a low APR with no rewards program.
|
0x | Cash Back | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
Low Variable APR with 18% Maximum Cap
The card offers a variable APR starting as low as 15.00%, with a hard maximum cap of 18%, providing predictable and below-average interest rates for cardholders who carry a balance.
|
Financial | As low as 15.00% APR, max 18% |
|
No Annual Fee
The DCU Visa® Platinum Secured Credit Card carries no annual fee for cardholders.
|
Financial |
$0
Up to $0
|
|
No Balance Transfer Fee
Balance transfers to the card are processed with no transfer fee.
|
Financial |
$0
Up to $0
|
|
No Cash Advance Fee
Cash advances are processed with no cash advance fee.
|
Financial |
$0
Up to $0
|
|
No Foreign Transaction Fee
No foreign currency transaction fees are charged on purchases made outside the United States.
|
Financial |
$0
Up to $0
|
|
Savings-Secured Credit Line
The credit limit is secured by funds in the cardholder's DCU Primary Savings account, allowing members with limited or damaged credit to obtain a credit card by pledging their own savings as collateral.
|
Financial | Borrow against your available savings balance |
|
Dovly Uplift™ Credit Engine
Cardholders have access to Dovly Uplift™, a smart credit engine that identifies and works to 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 — particularly useful for members actively building or rebuilding credit.
|
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 of being compromised.
|
Security | Complimentary |
|
Fraud Notifications
Cardholders receive real-time fraud alerts and notifications to help identify and respond quickly to suspicious account activity.
|
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 to protect against retailer data breaches.
|
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 |
