A credit card to get you started on the right path
We designed our Classic Mastercard® to help first-time card holders start off on the right foot. With no annual fees and rates as low as 7.99% APR1, the Classic Mastercard® from TDECU is a great option to help you build your credit responsibly and enjoy a lower rate card. Already have established credit and a good to excellent credit score? Consider applying for our Onyx or Buc-ee’s Platinum Mastercard®.
Is the Classic Mastercard® right for me?
The Classic Mastercard® is best for those working to establish or rebuild their credit. If you’re just starting out, or getting back on track, the Classic Mastercard® is the right choice for you!Apply Now
7.99% - 17.99%APR for purchases
Credit limit & purchase rate
- $1,000 minimum credit line
- No annual fees, penalty pricing, or cash advance fees
Minimum payment & incentives
- Minimum payments as low as 2% of your balance (minimum $18)
- 25–day interest–free grace period if balance is paid in full by the next payment due date
- Worldwide acceptance and ATM access
- Baggage Delay Insurance
- $100,000 Travel Accident Insurance
- No currency conversion charges
- Mastercard® global services
Account & purchase protection
- Zero liability protection
- Free identity theft protection
Annual Purchase Rates & Fees
|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 months4. 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 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 Fee||Up to $25|
|Returned Payment Fee||Up to $25|
|Rush card delivery||$37.50|Classic Mastercard® Frequently Asked Questions
How old do you need to be to apply for a credit card?
What information does TDECU require when I 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?
1APR = Annual Percentage Rate. Rates, terms and conditions subject to change. Credit approval required.
2 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.
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.
4 Offer only applied to balance transfer requests received by us within 30 days of account opening.
For details or questions call Mastercard Assist at 800-622-7747
Download Agreement and Disclosure here.