All new Onyx Visa Signature® credit card from TDECU
One card for every eligible purchase.
You deserve to be rewarded
Do you love the flexibility of cash rewards? Well, then you should love Cash Rewards from TDECU! With our program, you can track and redeem your credit card rewards directly from the TDECU Digital Banking app. Plus, you have complete control over how and when you cash in on your rewards!
Unlock a world of features and rewards
The Onyx Visa Signature® is far from a hyped-up cash rewards program that requires you to spend a lot for little in return. With a rate as low as 13.24% APR1, you can earn unlimited 2% Cash Rewards on all eligible purchases2, and no annual fee. Plus, Onyx Visa Signature® cardholders receive the same great services and benefits as our other TDECU credit cards.
The Onyx Visa Signature® from TDECU features these benefits:
0%
Introductory Purchase APR3
for the first three months
Rewards
2%
On Eligible Purchases2
$0
Annual Fee
13.24% - 17.99%
APR for purchasesAdditional benefits
- No annual fees
- Worldwide acceptance and ATM access
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
Onyx Visa Signature® Cash Rewards Calculator
Annual Purchase Rates and Fees
| 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. After that, your Standard Rate APR will be: Onyx Visa Signature® 13.24% - 17.99% This APR will vary with the market based on the Prime Rate. |
| APR for Balance Transfers | 0% introductory APR for the first twelve months on balance transfers processed within the first 30 business of account opening. After that, your Standard APR will be: Onyx Visa Signature® 13.24% - 17.99% This APR will vary with the market based on the Prime Rate. |
| APR for Cash Advances | Onyx Visa Signature® 13.24% - 17.99% This APR will vary with the market based on the Prime Rate. |
| 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. |
| 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 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 | 5% of the balance transfer amount |
| Phone Payment Fee | Up to $10.00 is charged when making a payment by phone |
| Rush Shipping Fee | $37.50 per plastic for rush cards |
| Cash Advance Fee | 5% minimum fee of $10.00 |
| Foreign Transaction Fee | 2% of the total purchase amount in U.S. dollars |
| Paper Statement Fee | $5.00 per statement |
Onyx Visa Signature® 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?
Where can I learn more about the Cash Rewards?
Please refer to our Cash Rewards page for more information.
1APR = Annual Percentage Rate. Rates, terms and conditions subject to change. Credit approval required.
2 Eligible purchases are purchases for goods and services, minus returns and other credits. Eligible does not include fees, interest charges, balance transfers, cash advances, convenience checks, purchases for cash equivalents (money orders, gift cards, prepaid cards), disputes and illegal transactions, or gambling. For more information, visit tdecu.org/rewards.
3 0% Introductory rate for purchases is good until the first day of the billing cycle that includes the three-month anniversary date of the opening of your account. Introductory benefits apply only to new credit card accounts. Existing accounts that have been converted from Mastercard® to Visa® are not considered new accounts and are not eligible for introductory benefits.
View the TDECU Onyx Visa Signature agreement and disclosure.
View Cash Rewards Terms & Conditions