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Platinum Mastercard ®  from TDECU

Platinum Mastercard®
from TDECU

Consolidate your high-interest debt and
start saving with 0% introductory APR3

Should I consolidate my credit cards?

Transferring your credit card balances to the TDECU Platinum Mastercard® can help lower your interest rates and give you one monthly payment. Want to know how much you could save on interest? Use our debt consolidation calculator!

Take a break from high-interest credit cards

The Platinum Mastercard® from TDECU is a top choice as a balance transfer credit card. With a 0% introductory APR1 for 12 months on balance transfers4 and no annual fee, you can easily transfer your existing balances and start paying down your principal, rather than building up interest charges. Our Platinum cardholders also receive the same great benefits as our other TDECU credit cards, including saving 5%  on fuel and in-store purchases at participating Buc-ee’s locations2.

The Platinum Mastercard® from TDECU features these benefits:


Introductory APR3

Save 5%

On purchases at participating Buc-ee's2


Balance Transfer Fee

Note: TDECU Credit Cards are available based on Membership eligibility. Confirm eligibility here prior to application.
Ready to say goodbye to high-interest credit cards?

Apply for your Platinum Mastercard® today

Annual Purchase Rates and Fees

Interest Rates & Interest Charges
Annual Percentage Rate (APR) for Purchases 0% Introductory APR for six months3. 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 months4. After that, the Standard Rate APR will range from 7.99% to 17.99%, based on your creditworthiness.
APR for Cash Advances The Standard Rate APR will range from 7.99% to 17.99%, based on your creditworthiness.
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 $0
Late Payment Fee Up to $25
Returned Payment Fee Up to $25
Statement Copy $5
Rush card delivery $37.50

Say goodbye to high-interest rate credit cards and transfer your balance to a TDECU credit card

Platinum Mastercard® Frequently Asked Questions

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.

What information does TDECU require when I apply for a credit card?

You will need to provide information such as your Social Security number, date of birth, employment information and income details.

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?

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.

How can I request my card to look like the Buc-ee's card?

Who doesn't love the Buc-ee's card look? While you still get all the benefits of the Buc-ee's card with your Platinum card, if you would like the look of the Buc-ee's card, please request it by calling our Member Care team at (800) 839-1154 or visiting one of TDECU's local Member Centers.

1APR = Annual Percentage Rate. Rates, terms and conditions subject to change. Credit approval required.
2 Buc-ee’s fuel and in-store discount offer is subject to end without notice, and is not valid with other discounts. Other restrictions may apply. Learn more about the Buc-ee's Credit Card Benefits Program.
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
Download Agreement and Disclosure here.