A credit card to get you on the right path
The Classic Mastercard® is a great entry-level credit card for students, first time credit card users, and those working to build or repair their credit. The Classic Mastercard® offers you the ability to obtain credit freedom and security.
New credit card users
Rates as low as:
7.99% APR on purchases1
7.99% APR on cash advances1
7.99% APR on balance transfers2
No hidden charges:
No annual fees
No penalty pricing
No cash advance fees
ID theft protection
Zero liability protection
7.99% - 17.99% APR*
- Minimum Payments as low as 2% of balance (minimum $18)
- 25-day Interest-Free Grace Period if balance is paid in full by next payment due date
- Convenient Payment Options
- MasterCard® Emergency Cardholder Services
- Worldwide Acceptance and ATM Access
Terms, APR, & fees
|Interest Rates & Interest Charges|
|Annual Percentage Rate (APR) for Purchases||0% Introductory APR for six months1. 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 months2. 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 months1. 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|
|Late Payment||Up to $25|
|Returned Payment||Up to $25|
|Rush card delivery||$37.50|
Classic Mastercard® FAQs
How old do you need to be to apply for a credit card?
How long will it take to receive my credit card?
What is an APR?
What is the grace period?
Do TDECU credit cards charge annual fees?
*APR = Annual Percentage Rate. Rates, terms and conditions subject to change. Credit approval required.
1 Introductory rate good until the first day of the billing cycle that includes the six-month anniversary date of the opening of your account.
2Offer only applied to balance transfer requests received by us within 30 days of account opening.
Download Agreement and Disclosure here.