As a valued TDECU member you deserve the best and we are committed to providing you the best service and products.
That’s why you’ll find no hidden default APR rate, no penalty pricing, no hidden fees and no hyped-up cash rewards program that requires you to spend a lot for little in return.
Expanded buying power
Simplify your finances and automatically get part of your purchases back
2% on all your purchases
No hidden charges:No annual fees
No penalty pricing
No cash advance fees
Travel Benefits:Baggage Delay Insurance
$100,000 Travel Accident Insurance
No currency conversion charges
ID theft protection
Zero liability protection
9.50% - 17.50% APR*
- 2% cash rewards on all your qualified purchases.**
Onyx Mastercard cash rewards calculator
Note: Cash rewards are capped at $10,000.
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 9.50% to 17.50%, based on your creditworthiness.|
|APR for Balance Transfers||0% Introductory APR for twelve months2. After that, the Standard Rate APR will range from 9.50% to 17.50%, 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|
Onyx 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.
**Qualifying Purchases do not include Balance Transfers, Cash Advances, ATM Cash Disbursements, Money Transfers, Gaming Transactions, Tax Payments, Finance Charges, Fees and purchases of other cash equivalents, even if used to purchase goods or services, any Buc-ees fuel purchase. Non-Qualifying Purchases do not earn any Rewards.
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. Offer is available until further notice and is not valid with other discounts. Other restrictions may apply.
For details or questions call Mastercard Assist at 800-622-7747
Download Agreement and Disclosure here.
Download Onyx Rewards FAQ here.