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VISAVisa Traditional

DCU Visa Platinum Secured Credit Card

Annual Fee

Source: Dcu Issuer

Apply on Dcu's site

At a Glance

Annual Fee

Authorized User Fee

Foreign Transaction Fee

Network

Visa Traditional

Credit Required

Poor

Benefits & Perks

Annual Credits

—Credit building program

$16.5015.00%-18% variable APR

Insurance & Protections

Combined Protection Value

$1,600

Absolutely zero fees

No annual fee, no FTF, no balance transfer fee, no cash advance fee. Keep this card guilt-free while building credit.

Baggage Delay Reimbursement

$100

If your checked baggage is delayed, you can be reimbursed up to $100 a day, for up to three days. Get the essentials you need such as clothing or

Details & Terms

Payment Terms

Purchase APR	15%–18% (Variable)
Cash Advance APR	12.25%–18% (Variable)
Foreign Transaction Fee	$0
Authorized User Fee	$0

Reviews & Analysis

Pros and Cons

Pros

+Extremely low APR (12.25%-18%) compared to 25-30% industry average
+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
-

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

Explore More

See all Dcucards →Best Cards with Travel Insurance Best Cards with Purchase Protection Browse all card categories →Browse all card benefits →Browse all credit cards →

Extended Warranty Protection

secondary

Extends the time period of the U.S. manufacturer’s warranty on items purchased with your card. Get up to an additional year of coverage.

Travel and Emergency Assistance

If you experience an illness or emergency, while traveling or working anywhere in the world, call the benefits center for help, 24/7. You can also

Show all 10 protections

Zero Liability on unauthorized charges

You won't be held responsible for unauthorized charges made in store, online, or via mobile device.

Trip Cancellation and Interruption

$1,500secondary

You’re covered for up to $1,500 per covered person, for non-refundable prepaid passenger fare, when your travel is interrupted or canceled. This

Purchase Security

Safeguard your new item against theft or damage for the first 90 days from the date of purchase with Purchase Security available when you pay with

24/7 lost/stolen card assistance worldwide

Emergency card replacement and cash disbursement services available 24/7 worldwide for lost or stolen cards.

No annual fee on this secured card

Keep the DCU Visa Platinum Secured card without paying an annual fee.

No balance transfer, cash advance, or foreign fees

Save on common transaction fees with no balance transfer, cash advance, or foreign transaction fees.

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%)

Low Variable APR (15.00%-18%)$9.90

Excludes earning value, lounge access, insurance, and elite status

Total Value Captured

$9.90

Annual Fee

-$0

Net Annual Value

+$9.90