The Ultimate Guide to Credit Cards
Friday, December 1, 2023

DCU Visa® Platinum Credit Card Review

Toby Sembower

By: Toby Sembower

Toby Sembower
Toby Sembower

Toby is the founder of CardRates.com and lends his 20 years of experience in the credit card industry to educate consumers. His commentary and reviews have been featured to millions on Yahoo! Finance, CreditCards.com, Entrepreneur.com, and others. Toby's industry connections enable him to keep audiences informed with timely advice and insight.

See full bio »

Editor: Lillian Guevara-Castro

Lillian Guevara-Castro
Lillian Guevara-Castro

Lillian Guevara-Castro brings more than 30 years of editing and journalism experience to the CardRates team. She has written and edited for major news organizations, including The Atlanta Journal-Constitution and the New York Times, and she previously served as an adjunct journalism instructor at the University of Florida. Today, Lillian edits all CardRates content for clarity, accuracy, and reader engagement.

See full bio »

Reviewer: Ashley Fricker

Ashley Fricker
Ashley Fricker

Ashley has more than a decade of experience as a finance contributor and editor, and has specialized in the credit card industry since 2015. She has worked closely with the world’s largest banks and financial institutions, up-and-coming fintech companies, and press and news outlets to curate comprehensive content and media. Her credit card commentary is often featured on national media outlets that include CNBC, MarketWatch, Investopedia, and Reader's Digest, among many others.

See full bio »
DCU Visa® Platinum Credit Card Review

Rated 4.0 /5.0 ★★★★

Are you considering the DCU Visa® Platinum Credit Card? Before you apply for the card, you'll want to learn some key facts about the offer and how it compares to others on the market.

In reviewing the card, our staff rated it a 4.0 out of 5.0.

This card is a great option for those who tend to carry a balance from month to month, thanks to its low ongoing APR. But you must meet certain eligibility criteria to become a member of Digital Federal Credit Union.

Here's a rundown of the key features, rates, and terms of the DCU Visa® Platinum Credit Card:

Disclosure: When you apply through links on our site, we often earn referral fees from partners. For more information, see our ad disclosure and review policy.

Advertiser Disclosure

CardRates.com is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation for referrals for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across CardRates.com (including, for example, the order in which they appear). CardRates.com does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.

DCU Visa® Platinum Credit Card Review

at the issuer'ssecure website

BEST OVERALL RATING

★★★★

4.0

OVERALL RATING

  • DCU’s Visa Platinum Credit Card offers a rate lower than you’ll find on most other bank or store cards. With one of the lowest rates in the nation, this is the perfect starter card for anyone trying to establish credit or save on interest with no-fee balance transfers.
  • Embedded EMV chip - this tiny chip protects your information in a big way.
  • Mobile Wallet Compatible - works with Apple Pay®, Google Pay™, and Samsung® Pay.*
  • Optional overdraft protection - We’ll transfer the balance of any overdrafts from your DCU checking account to your DCU Visa Platinum account up to your available limit.
  • No annual fee, balance transfer fee, or cash advance fees
  • Must meet eligibility criteria to join Digital Federal Credit Union
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
As low as 13.50%
$0
Average/Good

There's certainly a lot to like about the DCU Visa® Platinum Credit Card. Let's dive deeper into the card's rates and fees, as they could make or break whether owning the DCU Visa® Platinum Credit Card is right for you.

Interest Rate & Annual Fee

According to the issuer, the DCU Visa® Platinum Credit Card currently charges the following interest rates on purchases and balance transfers:

  • Purchase Intro: N/A
  • Balance Transfer Intro: N/A
  • Regular APR: As low as 13.50%

Here's the annual fee for the DCU Visa® Platinum Credit Card as listed by the issuer:

  • Annual Fee: $0
See site for details »

Credit Needed for Approval

According to the issuer, the current general credit history requirement for the DCU Visa® Platinum Credit Card is:

  • Credit Level:

If you feel you have the credit needed for approval and you're ready to apply, you can do so online on the issuer's secure website.

Keep in mind that rates and features may change, so if you like what the DCU Visa® Platinum Credit Card is offering today, you may want to apply now to lock it in current terms before it's too late.

How Does It Rank?

Below are all the ratings our team gives the DCU Visa® Platinum Credit Card, along with the card's ranking within each category. To see how it compares to other cards, simply click on the category name:

(Ranked #125 out of 156)
★★★★
4.0
(Ranked #7 out of 40)
★★★★★
4.8
(Ranked #18 out of 31)
★★★★
4.4

Bottom Line on DCU Visa® Platinum Credit Card

DCU Visa® Platinum Credit Card Review

All told, our team's review of the DCU Visa® Platinum Credit Card resulted in a rating of 4.0 out of 5.0, as the card features many pros and cons for a potential cardholder to consider. Ultimately, it's up to you to determine if the card's benefits outweigh its possible drawbacks.

If you're ready to apply for the DCU Visa® Platinum Credit Card, here is the link the issuer's official application:

Other Offers to Consider

Are you ready to apply for the DCU Visa® Platinum Credit Card offer? Be sure to read up on all of its terms and details first, then apply via the provider’s secure website:

If you’d like to keep researching, you may want to try one of our popular guides to the top offers available. We break down a variety of offers, including many similar to DCU Visa® Platinum Credit Card:

Whether you decide on DCU Visa® Platinum Credit Card or another option, be sure to make all your payments on time and keep your balance below the credit limit.

About the Author

Toby Sembower
Toby Sembower Finance Expert

Toby is the founder of CardRates.com and lends his 20 years of experience in the credit card industry to educate consumers. His commentary and reviews have been featured to millions on Yahoo! Finance, CreditCards.com, Entrepreneur.com, and others. Toby's industry connections enable him to keep audiences informed with timely advice and insight.

Share the Knowledge!

Toby Sembower