Skip to main content Skip to footer

Onyx Platinum Mastercard®
from TDECU

Unlock a world of great features and rewards
with this unique card for our unique members

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 Back program that requires you to spend a lot for little in return.

The Onyx Platinum Mastercard® is best for

expanded buying power

Expanded buying power

Simplify your finances and automatically get part of your purchases back


Up to 2% on all your purchase

All TDECU credit cards feature these benefits

No hidden charges:

No annual fees
No penalty pricing
No cash advance fees

Mastercard® benefits:

Global Services
ID Theft Protection
Zero Liability Protection

Travel benefits:

Baggage Delay Insurance
$100,000 Travel Accident Insurance
No currency conversion charges

With an Onyx Platinum Mastercard®, you will also enjoy these benefits

Ready to have expanded buying power?

Apply for the Onyx Platinum Mastercard® now

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.
APR for Cash Advances 0% Introductory APR for six months1. 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
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

Onyx Platinum 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?

You will receive your card 7 to 10 business days after you are approved.

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.
**For details or questions call MasterCard® Assist at 800-622-7747
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.
Credit cards qualifying for conversion to a Buc-ee’s Mastercard include TDECU Mastercard Classic, Platinum and Visa Platinum cards. Offer is available until further notice and is not valid with other discounts. Other restrictions may apply.

Download Agreement and Disclosure here.

Live Chat