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Because the DCU Visa® Platinum Credit Card has an extremely low ongoing APR on purchases and balance transfers, it may be an ideal option if you typically carry a balance on your credit card from month to month — if you can qualify for the lowest interest rate.
The DCU Visa® Platinum Credit Card doesn’t offer a rewards program. However, it does come with a $0 annual fee and $0 in foreign transaction fees. As for balance transfer and cash advance fees — there are $0.
We highlight the pros and cons of the DCU Visa® Platinum Credit Card and show how it compares to similar low-interest-rate credit cards to help determine if it’s the right fit for you.
Intro Purchase APR
N/A
Regular Purchase APR
13.25% to 18.00% (variable)
Intro BT APR
N/A
Regular BT APR
13.25% to 18.00% (variable)
Annual Fee
$0
Cash Advance Fee
$0
Foreign Transaction Fee
$0
Balance Transfer Fee
$0
Low ongoing APR
With an APR range of 13.25% to 18.00% (variable), the DCU Visa® Platinum Credit Card could be a great card to have in your wallet if you tend to carry a balance, and if you can qualify for the low end of the APR range.
Annual fee
DCU Visa® Platinum Credit Card holders receive a $0 annual fee.
Limited other fees
Along with a $0 annual fee, the DCU Visa® Platinum Credit Card doesn’t assess a lot of other typical credit card fees, including:
Note, the card does assess a late payment fee of up to $35. Also know, if you miss a payment, you can lose the low APR.
No rewards program
With the DCU Visa® Platinum Credit Card, you won’t earn rewards on the purchases you make or a sign-up bonus, since the card doesn’t offer a rewards program.
If you’re interested in earning points, cash back or miles from your purchases, take a look at these rewards credit cards.
No intro APR
While the DCU Visa® Platinum Credit Card comes with a very reasonable ongoing APR, it doesn’t offer a 0% intro APR on purchases or balance transfers.
If you’re looking for a card with an interest-free period for a year or longer, check out these 0% intro APR cards.
Limited benefits
The DCU Visa® Platinum Credit Card doesn’t offer some common card benefits, like purchase protection or extended warranty. However, that’s pretty typical for a $0 annual fee card with no rewards program.
DCU membership required
To apply for the DCU Visa® Platinum Credit Card, you’ll need to be a member of Digital Federal Credit Union.
To be eligible, you must be related to a current DCU member, employed by or retired from a participating company, belong to an eligible organization or live, work, worship or attend school in an eligible community. You can also join a participating nonprofit for a nominal fee.
If you need to finance a large purchase over time, or you have a large amount of high-interest debt that you need to transfer, a card that offers an interest-free period for a year or longer could be a much better choice for you — a card like the Citi Simplicity® Card, issued by our partner Citi.
The Citi Simplicity® Card offers an intro APR of 0% intro apr for 12 months on purchases; after that, a 18.49% - 29.24% (variable) applies.
In addition, the card has an intro APR of 0% intro APR for 21 months on Balance Transfers, then a 18.49% - 29.24% (variable) applies.
The Citi Simplicity® Card comes with a $0 annual fee, and it won’t assess late fees or a penalty APR if you pay late. That said, because paying your bill late can have a negative impact on your credit score, we recommend always paying your bill on time and in full whenever possible.
You should also know that a there is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5) The Citi Simplicity® Card also charges a cash advance fee of 5% of each cash advance; $10 minimum, as well as foreign transaction fees of 3%.
| Credit Cards | Our Ratings | Annual Fee | Welcome Offer | Rewards Rate | Intro Purchase APR | Regular APR | Intro Balance Transfer APR | Regular Balance Transfer Rate | Balance Transfer Fee | Recommended Credit Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion | |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
DCU Visa® Platinum Credit Card*
|
$0 | N/A | N/A | N/A | 13.25% to 18.00% (variable) | N/A | 13.25% to 18.00% (variable) | $0 | Good / Excellent | ||
Citi Simplicity® Card*
|
$0 | N/A | N/A | 0% intro APR for 12 months on Purchases | 18.49% - 29.24% (Variable) | 0% intro APR for 21 months on Balance Transfers | 18.49% - 29.24% (Variable) | There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5) | Good / Excellent | ||
U.S. Bank Visa® Platinum Card*
|
$0 | No bonus | Non-rewards card | 0% intro APR for 21 billing cycles on Purchases | 18.24% - 29.24% (Variable) | 0% intro APR for 21 billing cycles on Balance Transfers | 18.24% - 29.24% (Variable) | An introductory fee of either 3% of the amount of each transfer or $5 minimum, whichever is greater, for balances transferred within 60 days of account opening. After that, either 5% of the amount of each transfer or $5 minimum, whichever is greater. | Good / Excellent | ||
Wells Fargo Reflect® Card*
|
$0 | N/A | None | 0% intro APR for 21 months from account opening | 17.49%, 23.99%, or 29.24% Variable APR | 0% intro APR for 21 months from account opening on qualifying balance transfers | 17.49%, 23.99%, or 29.24% Variable APR | 5%, min: $5 | Good / Excellent |
If you’re in the market for a card that offers the possibility of a very low APR on purchases and balance transfers, along with limited fees, the DCU Visa® Platinum Credit Card could be a good fit.
But if you’re planning to make a large purchase and pay it off over time or transfer a balance from a high-interest card, a better choice might be the Citi Simplicity® Card. Along with an interest-free period on purchases for a year, that card offers an intro APR on balance transfers for close to two years. The Citi Simplicity® Card also charges a $0 annual fee.
The information related to the DCU Visa® Platinum Credit Card, Citi Simplicity® Card, U.S. Bank Visa® Platinum Card, Wells Fargo Reflect® Card and Wells Fargo Platinum card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.
