Business Platinum Mastercard® from TDECU
The purchasing power you need
to get business done
Make the smart business move
We know as a business owner you want to make certain every dollar spent really counts. So why use your hard-earned money toward paying interest charges and fees on your current business credit card? TDECU wants to help you get more out of your everyday business expenses. With no annual fee and an APR1 as low as 14.49%, our Business Platinum Mastercard® lets you spend money where it matters most — driving your business forward.
The Business Platinum Mastercard® from TDECU features these benefits:
Introductory Purchase APR3
for the first six months
Annual Fee
Balance Transfer Fee
14.49% - 17.99%
APR for purchasesPurchase rate and fees
No annual fees or cash advance fees
Minimum payment and incentives
Minimum payments as low as 2% of your balance (minimum $18)
25–day interest–free grace period if balance is paid in full by the next payment due date
Travel benefits
- Worldwide acceptance and ATM access
- Baggage Delay Insurance
- $500,000 Travel Accident Insurance
- No currency conversion charges
- Mastercard® global services
Account and purchase protection
- Zero liability protection
- Free identity theft protection
Annual Purchase Rates & Fees
|
Interest Rates and Interest Charges |
|
|---|---|
|
Annual Percentage Rate (APR) for Purchases |
0% introductory APR for purchases made within the first six months that your account is opened. |
|
APR for Balance Transfers |
0% introductory APR for the first twelve months on balance transfers processed within the first 30 business of account opening. |
|
APR for Cash Advances |
Business Mastercard 14.49% - 17.99% |
| Penalty APR and When it Applies | 17.99%. This APR will vary with the market based on the Prime Rate. We may apply the Penalty APR to your account if you:
|
|
Paying Interest |
Your due date will be a minimum of 25 days after the close of each billing cycle. We will not charge you interest on new purchases if you pay your entire balance by the due date each month. We will begin charging interest on balance transfers and cash advances on the transaction date. |
|
Credit Card Tips from the Consumer Financial Protection Bureau |
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at https://www.consumerfinance.gov/learnmore |
|
Fees |
|
|---|---|
|
Annual Fee |
None |
|
Penalty Fees |
|
|
Late Payment Fee |
Up to $25.00 |
|
Returned Payment Fee |
Up to $25.00 |
|
Transaction Fees |
|
|
Balance Transfer Fee |
Up to 5% of the balance transfer amount. |
|
Phone Payment Fee |
A fee of up to $10.00 is charged when making a payment by phone. |
|
Rush card delivery |
$37.50 per plastic for rush cards |
Business Platinum Mastercard® Frequently Asked Questions
Do I need a TDECU business account before applying for the Business Platinum Mastercard®?
Not initially. You can apply for a Business Platinum Mastercard® and if approved, we will open your TDECU Share Savings account, which will establish your membership.
What information will I need to provide when I apply for the Business Platinum Mastercard®?
You will need to provide information about you and your business, your business Tax Identification Number (TIN), and monthly income. You will also need to provide your guarantor’s information.
What is a TIN?
A TIN, or Tax Identification Number, is a nine-digit number used to identify a business in tax returns and other documents filed with the IRS. A TIN is either a Social Security number or an employer identification number (EIN).
Where can I apply for a Business Platinum Mastercard®?
Currently, we are only accepting online applications. Please click here to begin your online application.
How long will it take to receive my credit card?
Once approved, you will receive your Business Platinum Mastercard® in 7 to 10 days.
How can I check the status of my Business Platinum Mastercard®?
If you have questions about your existing application, please call (800) 839-1154 ext. 4618 for assistance.
What other benefits does the Business Platinum Mastercard® offer?
With Business Platinum Mastercard®, you’ll enjoy several benefits including extended warranties on most purchases, cell phone protection and a year-end summary of your charges. You’ll also save at the pump when you fuel up at participating Buc-ee’s locations2, and never worry about paying an annual fee.
1APR = Annual Percentage Rate. Rates, terms and conditions subject to change. Credit approval required.
2 Buc-ee’s fuel discount offer is subject to end without notice, and is not valid with other discounts. Other restrictions may apply.
3 Introductory rate good until the first day of the billing cycle that includes the six-month anniversary date of the opening of your account.
4 Offer only applied to balance transfer requests received by us within 30 days of account opening.
For details or questions call Mastercard Assist at (800) 622-7747.
If you opened your account before December 1, 2024, click here to see or review your disclosure.
If you opened your account after December 1, 2024, click here to see or review your disclosure.