DCU Visa Platinum Secured Credit Card
- Annual Fee
- $0
Terms checked against the issuer on October 29, 2026
At a Glance
- Annual Fee
- $0
- Authorized User Fee
- $0
- Foreign Transaction Fee
- $0
- Network
- Visa Platinum
- Credit Required
- Poor
Earning Rates
- 0X
All Other
This card does not earn rewards
Benefits & Perks
Annual Credits & Statement Credits
2 creditsUp to
$16.63
in recurring credits (annual)
1 credit listed below has no stated dollar amount and is not counted in this total.
Credit building program
Monthly reporting to all three bureaus + free FICO score access means 12 months of responsible use gets you to unsecured card eligibility.
—
Annual
15.25%-18% variable APR
15.25%-18% APR vs. 25-30% industry average means thousands in interest savings if you carry a balance while rebuilding credit.
$16.63
Annual
Insurance & Protections
6 protectionsAbsolutely zero fees
No annual fee, no FTF, no balance transfer fee, no cash advance fee. Keep this card guilt-free while building credit.
Zero Liability on unauthorized charges
You won't be held responsible for unauthorized charges made in store, online, or via mobile device.
Roadside Dispatch (pay per use)
Towing and locksmith help at pre-negotiated rates, available 24/7. You pay per call.
24/7 lost/stolen card assistance worldwide
Emergency card replacement and cash disbursement services available 24/7 worldwide for lost or stolen cards.
No balance transfer, cash advance, or foreign fees
Save on common transaction fees with no balance transfer, cash advance, or foreign transaction fees.
Show all 6 protectionsShow fewer protections
No annual fee on this secured card
Keep the DCU Visa Platinum Secured card without paying an annual fee.
Details & Terms
Payment Terms
| Purchase APR | 15.25%–18% (Variable) |
| Cash Advance APR | 15.25%–18% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Reviews & Analysis
Pros and Cons
Pros
- +Low 15.25% APR (maximum 18%), below the national average per the issuer
- +No annual fee, foreign transaction fee, balance transfer fee, or cash advance fee
- +Deposit earns interest while held
- +Free FICO score access
- +Reports to all 3 credit bureaus monthly
- +Visa Platinum network benefits included
Cons
- -Higher $500 minimum deposit requirement
- -No rewards or cash back on purchases
- -Requires DCU credit union membership
- -Longer 12-month wait before discussing unsecured options
- -No welcome bonus
Who It's Best For
Best For
- DCU members seeking the lowest APR available on a secured card
- People who want to avoid all fees (no annual, FTF, balance transfer, or cash advance fees)
- Those who can afford a higher deposit and want better APR terms
Not Ideal For
- People who want to earn rewards on purchases
- Those unable to meet the $500 minimum deposit requirement
- Non-members without easy DCU membership eligibility
The Math: Is $0 Worth It?
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$9.98
Annual Fee
-$0
Net Annual Value
+$9.98
Media & Resources
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| Dcu Issuer | — | Dcu Issuer |
| Dcu Issuer Earn | — | Dcu Issuer Earn |
| NerdWallet | — | NerdWallet |
| Dcu Issuer Bt Apr | — | Dcu Issuer Bt Apr |
| Dcu Issuer Purchase Apr | — | Dcu Issuer Purchase Apr |
| Dcu Issuer Fee Status | — | Dcu Issuer Fee Status |
| Dcu Issuer | Dcu Issuer | |
| Issuer Page | Issuer Page: Apr | |
| Issuer Page | Issuer Page: Apr |