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
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All TDECU credit cards feature these benefits
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.
Platinum Mastercard
Minimize your monthly payments with our low-rate card.
Buc-ee's® Mastercard
Get the low-rate and benefits of our Platinum Mastercard while showing your Buc-ee's pride.
Classic Mastercard
Build or rebuild your credit.
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.
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 HowTerms, 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?
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?
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.
