DFCU Financial Platinum Mastercard | Consumer Financial Protection Bureau

Nationwide

Availability

Review details with the company before applying

APRs change over time and are specific to the applicant. Check rates before applying.

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Did you know: This card is from a small bank, which often offer lower interest rates and could save you hundreds of dollars per year.

Purchase interest rate and fees

14.65% – 18%*

*As of Jun. 30, 2024. Advertised purchase APRs change over time and are specific to the applicant, based on your credit score. Check rates before applying.

Here are typical APRs for different credit scores for this card:

Credit score	Median purchase APR	Comparison to other cards
619 or less	17.65%	1 dollar sign symbol Pay less interest
620-719	16.65%	1 dollar sign symbol Pay less interest

After opening the credit card, the purchase APR is variable, meaning it can go up or down based on the index listed in the details below. Learn more about APRs in general and about fixed versus variable APRs.

Foreign transaction fee: 1% of each purchase
Minimum finance charge: No minimum interest payment is required to avoid additional fees
Grace period: 25 days until interest begins to accrue on purchases
Balance computation method: Monthly interest is calculated based on your average daily balance including new purchases
Purchase APR index: The purchase APR varies depending on the value of the prime index

Learn more about how credit card interest is calculated.

Fees

$0

Late fee: $29 for the first late payment and $40 for a late payment within six billing cycles of another late payment
Over-limit fee: None
Card Replacement Fee: $10 (Replacement card orders)
Rush Card Fee: $35 (When processing expedited delivery requests for card orders)
Statement Copy Fee: $5 (When processing requests for duplicate statement copies)

Rewards and perks

This card does not offer cash back, travel, or other rewards.

Services

Automobile rental insurance
Extension on manufacturer’s warranty

Card features

Contactless Payments
Chip card
Mobile wallet provisioning (for example, Apple Pay)

Balance transfer interest rate and fees

This card does not offer balance transfers.

Cash advance interest rate and fees

14.65% – 18%*

+

3%

Cash advance fee details: 3% or $5 whichever is greater

*As of Jun. 30, 2024. Advertised cash advance APRs change over time and are specific to the applicant, based on your credit score. Check rates before applying.

Here are typical cash advance APRs for different credit scores for this card:

Credit score	Median cash advance APR
619 or less	17.65%
620-719	16.65%

The cash advance fee is charged for each cash advance.

Did you know: If you use your card to transfer a balance or get a cash advance, you may have to start paying interest on some or all of your total balance, including new purchases, as of the date of the transaction.