Skip to main content Skip to footer
TDECU Credit Cards

TDECU Credit Cards

Credit cards for every stage of life

Choose the card that’s right for you

We understand that finding the right credit card isn’t always easy. For this reason, we designed our credit card portfolio to support you, no matter where you are on your financial journey. From earning cash rewards, to saving at the pump, to consolidating credit card balances and to rebuilding credit, TDECU has the right credit card for you.

Need to make a payment?

Whether you need to transfer funds from a TDECU account toward your credit card balance or make a payment using an account from another financial institution, we have you covered! TDECU Digital Banking and the Access Point portal provide two easy ways to make your credit card payment.

Learn More

All TDECU Credit Cards feature these benefits:

$0

Cash Advance Fees

0%

Introductory APR 3

$0

Annual Fee

Featured Credit Cards

Explore our most popular cards and find the one that best fits your needs.

Credit cards for rebuilding or building credit

Check out our cards designed to help those just starting out or rebuilding their credit.

Business Platinum Mastercard®
Ready to put money back into your business?

With no annual fee and rates as low as 7.99% APR, the TDECU Business Platinum Mastercard® is the right choice for small businesses.

Learn More

Terms, APR, & Fees for TDECU Mastercards

Interest Rates & Interest Charges
Annual Percentage Rate (APR) for Purchases 0% Introductory APR for six months3. After that, the Standard Rate APR will range from 7.99% to 17.99%, based on your creditworthiness.
APR for Balance Transfers 0% Introductory APR for twelve months5. After that, the Standard Rate APR will range from 7.99% to 17.99%, based on your creditworthiness.
APR for Cash Advances 0% Introductory APR for six months3. After that, the Standard Rate APR will range from 7.99% to 17.99%, based on your creditworthiness.
Avoid Paying Interest on Qualifying Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.
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 Consumer Financial Protection Bureau.
Fee Charges
Annual Fee $0
Late Payment Fee Up to $25
Returned Payment Fee Up to $25
Duplicate statements $4
Rush card delivery $37.50

TDECU Credit Card Frequently Asked Questions
 

How old do you need to be to apply for a credit card?

You must be at least 18 years of age to apply for a credit card.

Can I apply for a credit card with TDECU if I have a low credit score?

Yes, you can and TDECU has a solution for you! If you lack credit history or have a low credit score, you may want to consider our Credit Builder Mastercard® or our Share Secured Mastercard®. Call us at (800) 839-1154 or visit a TDECU Member Center to explore your credit card options and to apply.

How long will it take to receive my credit card?

You will receive your card 7 to 10 business days after you are approved.

What does minimum payment mean?

The minimum payment is the lowest amount of money that you’re required to pay on your credit card statement each month. It is 2% of the total balance of your card (with a minimum of $18.00). It's important to make on-time payments, even if it is a minimum payment, to maintain a higher rate of repayment and to build your credit score.

How can I check my credit card application status?

You can check the status of your application by logging into our Application Status Center.

How can I make a payment toward my credit card balance?

We offer two ways to make your credit card payment: via TDECU Digital Banking or through Access Point. If you are using a TDECU checking or savings account to make your payment, you can simply transfer funds toward your credit card balance using the Digital Banking app. If you need make a payment using an outside account, log in to Access Point to make your payment.

Say goodbye to high-interest rate credit cards and transfer your balance to a TDECU credit card

1APR = Annual Percentage Rate. Rates, terms and conditions subject to change. Credit approval required.
2 Qualifying Purchases do not include Balance Transfers, Cash Advances, ATM Cash Disbursements, Money Transfers, Gaming Transactions, Tax Payments, Finance Charges, Fees and purchases of other cash equivalents, even if used to purchase goods or services, any Buc-ees fuel purchase. Non-Qualifying Purchases do not earn any Rewards.
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 and does not apply to cash advances on TDECU’s Onyx Credit Card.
4 Buc-ee’s fuel discount offer is available at participating locations, subject to end without notice, and is not valid with other discounts. Other restrictions may apply.
5 Offer only applied to balance transfer requests received by us within 30 days of account opening. Credit cards qualifying for conversion to a Buc-ee's Mastercard include TDECU Mastercard Classic, Platinum and Visa Platinum cards. Offer is available until further notice and is not valid with other discounts. Other restrictions may apply.

Download our Credit Card Agreement and Disclosure

Live Chat