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:
Balance Transfer Fee
7.99% - 17.99%APR for purchases
Credit limit and purchase rate
- $2,000 minimum credit line
- No annual fees or cash advance fees
- No penalty pricing
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
- Worldwide acceptance and ATM access
- Baggage Delay Insurance
- $100,000 Travel Accident Insurance
- No currency conversion charges
- Mastercard® global services
Account and purchase protection
- Zero liability protection5
- Free identity theft protection
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.|
|Late Payment Fee||Up to $25|
|Returned Payment Fee||Up to $25|
|Rush card delivery||$37.50|
Platinum Mastercard® 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?
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 available at participating locations, subject to end without notice, and is not valid with other discounts. Other restrictions may apply.
3 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 Offer only applied to balance transfer requests received by us within 30 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.