TDECU Credit Cards
Credit cards for every stage of life
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! Visit our Payment Center to understand all your payment options.
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.
All TDECU Credit Cards feature these benefits:
$0
Cash Advance Fees
0%
Introductory APR3
$0
Annual Fee
Featured Credit Cards
Explore our most popular cards and find the one that best fits your needs.
Onyx Mastercard®
Earn 2% cash rewards on qualifying purchases 2
Learn more about Onyx Rewards
9.50% - 17.50%
APR1 for purchases
$5,000
Minimum Credit Limit
Excellent
Buc-ee's Mastercard®
Save 5% on fuel and in-store purchases at participating Buc-ee’s locations.4
7.99% - 17.99%
APR for purchases
$2,000
Minimum Credit Limit
Good
Platinum Mastercard®
Transfer balances and save with 0% introductory APR.3
7.99% - 17.99%
APR for purchases
$2,000
Minimum Credit Limit
Good
Credit cards for rebuilding or building credit
Check out our cards designed to help those just starting out or rebuilding their credit.
Classic Mastercard®
Get the credit you need with no annual fee and a lower rate.
7.99% - 17.99%
APR for purchases
Moderate
Credit Builder Mastercard®
Designed for those who want to establish or rebuild credit.
7.99% - 17.99%
APR for purchases
Moderate - Rebuilding
Share Secured Mastercard®
Leverage your TDECU Share Savings as collateral and begin repairing your credit.
7.99% - 17.99%
APR for purchases
Rebuilding
Terms, APR, and 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 | 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 |
| Statement Copy | $5 |
| Rush card delivery | $37.50 |
TDECU Credit Card Frequently Asked Questions
- Log into TDECU Digital Banking
- Click on Service Center from the Navigation Menu
- Click on Manage Cards
- Tap on the card or click on Card Details
- Click on Report Lost or Stolen
- When reporting a card lost or stolen you will need to complete a short questionnaire. This information will be used to alert TDECU of any potential fraud on the account.
- Once submitted, your card will be permanently deactivated. TDECU will mail a new credit card to your current address on file. To receive a new debit card, send a secured message via Digital Banking, call Member Care, or visit your nearest branch.
- Once you report your card lost or stolen, the card will appear in a Lost or Stolen status within Digital Banking. When you log back in the card will no longer appear in the Card Management module.
How old do you need to be to apply for a credit card?
Can I apply for a credit card with TDECU if I have a low credit score?
How long will it take to receive my credit card?
What does minimum payment mean?
How can I check my credit card application status?
How can I make a payment toward my credit card balance?
How do I report my card lost or stolen?
What is a Schumer Box?
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-ee's fuel or in-store purchases. 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 and in-store 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. Offer is available until further notice and is not valid with other discounts. Other restrictions may apply.
Download our Credit Card Agreement and Disclosure
Download our Buc-ee's Credit Card Benefits Program Terms and Conditions
Download Cash Rewards FAQ here.