All new Platinum Visa®
from TDECU
Consolidate your high-interest debt and
start saving.
Should I consolidate my credit cards?
Transferring your credit card balances to the TDECU Platinum Visa® 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 Visa® from TDECU is a top choice as a balance transfer credit card. With a 0% introductory APR1 for 18 months on balance transfers2 and no annual fee, you can easily transfer your existing balances and start paying down your principal, rather than building up interest charges. Plus, earn 3% back on groceries3 and 2% back on dining, because everyday spending should pay you back.
The Platinum Visa® from TDECU features these benefits:
0%
Introductory Purchase APR4
for the first six months
3%
Cash Rewards on Dining
2%
Cash Rewards on Groceries
$0
Balance Transfer Fee on your New TDECU Credit Card
12.24% - 17.99%
APR for purchasesAdditional benefits
- No annual fees
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
Visa® benefits
- Worldwide acceptance and ATM access
- Roadside Dispatch®5
| 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: Platinum Visa® 12.24%- 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: Platinum Visa® 12.24% - 17.99% This APR will vary with the market based on the Prime Rate. |
| APR for Cash Advances | Platinum Visa® 12.24% - 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 |
Platinum Visa® 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?
1 APR = Annual Percentage Rate. Rates, terms and conditions subject to change. Credit approval required.
2 0% introductory APR for the first eighteen months on balance transfers processed within the first 30 business days of account opening. 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.
3 2% cash rewards is limited on purchases made at grocery stores, excluding superstores like Walmart® and Target® and wholesale clubs For more information visit www.tdcu.org/rewards.
4 0% Introductory rate for purchases is good until the first day of the billing cycle that includes the sixth-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 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.
5 Service providers supplying emergency roadside assistance and towing are independent contractors and are solely liable for their services. Neither Visa nor TDECU shall have any responsibility or liability in connection with the rendering of the service. Emergency roadside assistance and towing may not be available in areas not regularly traveled, nor in other “off road” areas not accessible by ordinary towing vehicles. Weather conditions, time of day, and availability of service may affect assistance responses. Expectations for dispatch are set with the customer on every call, and an expected estimated time of arrival is provided to the customer regardless of their location; however, neither Visa nor TDECU provides any assurances as to the ability of the service provider to meet such estimates. You are responsible for any roadside assistance or towing charges incurred by facilities responding to your request even if you are not with your vehicle or your vehicle is gone upon their arrival. 24-hour roadside assistance services provided by: Cross Country Motor Club, Inc. d/b/a Agero, a Massachusetts corporation, and Cross Country Motor Club of California, Inc. a California corporation.
Click here to view the TDECU Platinum Visa Disclosure.