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 MoreAll TDECU Credit Cards feature these benefits:
Cash Advance Fees
Introductory APR 3
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
9.50% - 17.50%
APR1 for purchasesExcellent
Platinum Mastercard®
Transfer balances and save with 0% introductory APR. 3
7.99% - 17.99%
APR for purchasesGood
Buc-ee's Mastercard®
Save 10¢ per gallon on fuel at participating
Buc-ee’s locations.4
7.99% - 17.99%
APR for purchasesGood
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 purchasesGood to Moderate
Credit Builder Mastercard®
Designed for those who want to establish or rebuild credit.
7.99% - 17.99%
APR for purchasesModerate - Rebuilding
Share Secured Mastercard®
Leverage your TDECU Share Savings as collateral and begin repairing your credit.
7.99% - 17.99%
APR for purchasesRebuilding
Features and Services for TDECU Credit Cardholders
In addition to no annual fees, TDECU credit cards also come with the following services and benefits:
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.
Terms, APR, and Fees for TDECU Credit Cards
| 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?
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?
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
