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Classic Mastercard®
from TDECU

Build or rebuild your credit with no
annual fees and rates as low as 7.99% APR*

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.

The Classic Mastercard® is best for

All TDECU credit cards feature these benefits

With a Classic Mastercard®, you will also enjoy these benefits

Ready to take control of your credit?

Apply for the TDECU Classic Mastercard® today

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
Fee Charges
Annual Fee None
Penalty Fees
Late Payment Up to $25
Returned Payment Up to $25
Other Fees
Duplicate statements $4
Rush card delivery $37.50

Say goodbye to high-interest rate credit cards.

Make a fresh start and transfer your balances to the card that treats you right, your TDECU Credit Card.

Transfer Your Balances

Classic Mastercard® 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.

How long will it take to receive my credit card?

How long will it take to receive my credit card?

What is an APR?

Annual Percentage Rate. Credit cards state the interest rate as an annual rate. This indicates how expensive a transaction will be if you finance it over that time. To avoid paying interest, you can take advantage of your grace period by making your payments on time.

What is the grace period?

The grace period is the time during which you are allowed to pay your credit card bill without having to pay interest, as long as you pay your balance in full. This is a period between the end of a billing cycle and the date your payment is due. TDECU’s grace period is 25 days.

Do TDECU credit cards charge annual fees?

No, none of our 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.

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