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Platinum Mastercard®
from TDECU

Transfer your high-interest debts and save big

What are you waiting for? Throw away those other high-interest credit cards and replace them with a TDECU Platinum Mastercard®. You'll get a great introductory rate on purchases, balance transfers, $1 million travel insurance and much more!

The Platinum Mastercard® is best for

Balance transfers

Save by transfering your balances from department store and other high rate cards

Rates as low as 7.99% APR*

A low-rate solution to finance your carried balances and large purchases

All TDECU credit cards feature these benefits

Rates as low as:

7.99% APR on purchases1
7.99% APR on cash advances1
7.99% APR on balance transfers2

No hidden charges:

No annual fees
No penalty pricing
No cash advance fees
No foreign transaction 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 a Platinum Mastercard®, you will also enjoy these benefits

Ready to say goodbye to high interest rate credit cards?

Apply for the Platinum Mastercard® today!

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 7.99% to 17.99%, based on your creditworthiness.
APR for Balance Transfers 0% Introductory APR for twelve months2. 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 months1. After that, the Standard Rate APR will range from 7.99% to 17.99%, 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

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.
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.

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