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Credit Cards from TDECU

Credit cards for every need and stage of life

It only takes a few minutes to apply for a credit card

All TDECU credit cards feature these benefits

Rates as low as:

0% Introductory APR on purchases for six months. As low as 7.99% APR after that.1

No hidden charges:

No annual fees
No penalty pricing
No cash advance fees

Mastercard® benefits:

Global Services
ID Theft Protection
Zero Liability Protection

Travel benefits:

Baggage Delay Insurance
$100,000 Travel Accident Insurance
No currency conversion charges

Browse our credit cards

Find the card that best fits your needs

Onyx Mastercard

Earn 2% cash rewards on every qualified purchase. Cash rewards paid annually.

Recommended Credit: Excellent

Platinum Mastercard

Minimize your monthly payments with our low-rate card.

Recommended Credit: Good

Buc-ee's® Mastercard

Get the low-rate and benefits of our Platinum Mastercard while showing your Buc-ee's pride.

Recommended Credit: Moderate – Good

Classic Mastercard

Build or rebuild your credit.

Recommended credit: Moderate
Ready to get rid of your high interest credit cards?

Complete a TDECU balance transfer now to save big!

Manage and pay your credit card account online

Register for Access Point. It’s quick, easy and free.

Access Point gives you secure online access to your credit card account.

Register

Will you be traveling?

Set up a travel alert

Before you travel, there are steps you can take to avoid blocked transactions while keeping your accounts secure.

Learn How

Terms, APR, & Fees

Interest Rates & Interest Charges
Annual Percentage Rate (APR) for Purchases 0% Introductory APR for six months2. 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 months3. 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 months2. After that, the Standard Rate APR will range from 7.99% to 17.99%, based on your creditworthiness.
How to Avoid Paying Interest on 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.
For 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
Late Payment Up to $25
Returned Payment Up to $25
Duplicate statements $4
Rush card delivery $37.50

Credit card FAQs

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?

TDECU has a solution for you. If you lack credit history or have a low credit score, we have two types of credit cards for you: Credit Builder Classic Mastercard and Secured Classic Mastercard. Call us at (800) 839-1154 or visit a TDECU Member Center to explore your options and 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 are 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).

1APR = Annual Percentage Rate. Rates, terms and conditions subject to change. Credit approval required. 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.
2 Introductory rate good until the first day of the billing cycle that includes the six-month anniversary date of the opening of your account
3Offer 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 Agreement and Disclosure here.

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