DCU Visa® Platinum Credit Card Review

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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.

• Low ongoing APR

  With an APR range of 13.75% 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:

  • A balance transfer fee of $0.
  • A cash advance fee of $0.
  • $0 in foreign transaction fees.

  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.

Compare it to the Citi Simplicity^® Card

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Citi Simplicity^® Card

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Rates & Fees

Citi Simplicity^® Card

Intro Purchase APR 0% intro APR for 12 months on Purchases

Regular Purchase APR 19.24% - 29.99% (Variable)

Annual Fee $0

Rewards Rate N/A

Highlights

• No Late Fees, No Penalty Rate, and No Annual Fee... Ever
• 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 19.24% - 29.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
• 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).
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Recommended Credit

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660 720 850

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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 19.24% - 29.99% (variable) applies.

In addition, the card has an intro APR of 0% intro APR for 21 months on Balance Transfers, then a 19.24% - 29.99% (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. Then a balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum. 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% of each purchase transaction after its conversion into U.S. dollars.

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.