Classic Mastercard®
from TDECU
Build your credit with no annual fees
and rates as low as 9.49% APR1
Is the Classic Mastercard® right for me?
The Classic Mastercard® is best for those working to establish or rebuild their credit. If you are just starting out, or getting back on track, the Classic Mastercard® is the right choice for you!
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 9.49% APR1, the Classic Mastercard® from TDECU is a great option to help you build or rebuild your credit responsibly. Do you already have established credit and a good to excellent credit score? Consider applying for our Onyx or Buc-ee’s Platinum Mastercard®.
The Classic Mastercard® from TDECU features these benefits:
0%
Introductory Purchase APR3
for the first six months
Save 10¢
On fuel at participating Buc-ee’s2
$0
Annual Fee
9.49% - 17.99%
APR for purchasesAdditional Benefits
No annual fees or cash advance fees
Minimum payment and 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
Travel benefits
- Worldwide acceptance and ATM access
- Baggage Delay Insurance
- $100,000 Travel Accident Insurance
- No currency conversion charges
- Mastercard® global services
Account and purchase protection
- Zero liability protection5
- Free identity theft protection
Interest Rates and Interest Charges | |
|---|---|
Annual Percentage Rate (APR) for Purchases | 0% introductory APR for purchases made within the first six months that your account is opened. |
APR for Balance Transfers | 0% introductory APR for the first twelve months on balance transfers processed within the first 30 business of account opening. |
APR for Cash Advances | Classic Mastercard 9.49% - 17.99% |
| Penalty APR and When it Applies | 17.99%. This APR will vary with the market based on the Prime Rate. We may apply the Penalty APR to your account if you:
|
Paying Interest | Your due date will be a minimum of 25 days after the close of each billing cycle. We will not charge you interest on new purchases if you pay your entire balance by the due date each month. We will begin charging interest on balance transfers and cash advances on the transaction date. |
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 website of the Consumer Financial Protection Bureau at https://www.consumerfinance.gov/learnmore |
Fees | |
|---|---|
Annual Fee | None |
Penalty Fees | |
Late Payment Fee | Up to $25.00 |
Returned Payment Fee | Up to $25.00 |
Transaction Fees | |
Balance Transfer Fee | Up to 5% of the balance transfer amount. |
Phone Payment Fee | A fee of up to $10.00 is charged when making a payment by phone. |
Rush card delivery | $37.50 per plastic for rush cards |
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?
You will receive your card 7-10 days after you are approved or from when your replacement is requested.
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 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 0% introductory APR for the first twelve months on balance transfers processed within the first 30 business days of account opening.
5 Zero Liability protection from Mastercard provides protection against "unauthorized transactions”.
For details or questions call Mastercard Assist at 800-622-7747
If you opened your account before December 1, 2024, click here to see or review your disclosure.
If you opened your account after December 1, 2024, click here to see or review your disclosure.