Whether you need to transfer funds from a TDECU account toward your credit card balance or make a payment using an account from another financial institution, we have you covered! Visit our Payment Center to understand all your payment options.
We understand that finding the right credit card isn’t always easy. For this reason, we designed our credit card portfolio to support you, no matter where you are on your financial journey. From earning cash rewards, to saving at the pump, to consolidating credit card balances and to rebuilding credit, TDECU has the right credit card for you.
Cash Advance Fees
Introductory APR 3
Explore our most popular cards and find the one that best fits your needs.
Earn 2% cash rewards on qualifying purchases 2
Learn more about Onyx Rewards
APR 1 for purchases
Recommended credit:
Save 5% on fuel and in-store purchases at participating Buc-ee’s locations. 4
APR for purchases
Recommended credit:
Transfer balances and save with 0% introductory APR. 3
APR for purchases
Recommended credit:Note: TDECU Credit Cards are available based on Membership eligibility. Confirm eligibility here prior to application.
Check out our cards designed to help those just starting out or rebuilding their credit.
Get the credit you need with no annual fee and a lower rate.
APR for purchases
Recommended credit:In addition to no annual fees, TDECU Credit Cards also come with the following services and benefits:
Keep your credit card account in good standing even during life’s unexpected events.
Enable notifications through the TDECU Digital Banking app to stay informed on any purchases made without your authorization.
Access your statements online and help the environment.
Enable and disable your credit card, report your card lost or stolen, and set travel notifications directly from the TDECU Digital Banking app.
Curious about your standing? Check your application now.
| Interest Rates & Interest Charges | |
|---|---|
| Annual Percentage Rate (APR) for Purchases | 0% Introductory APR for six months 3 . After that, the Standard Rate APR will range from 7.99% to 17.99%, based on your creditworthiness. |
| APR for Balance Transfers | 0% Introductory APR for twelve months 5 . After that, the Standard Rate APR will range from 7.99% to 17.99%, based on your creditworthiness. |
| APR for Cash Advances | The Standard Rate APR will range from 7.99% to 17.99%, based on your creditworthiness. |
| Avoid Paying Interest on Qualifying Purchases | Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. |
| Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the Consumer Financial Protection Bureau. |
| Fee Charges | |
|---|---|
| Annual Fee | $0 |
| Late Payment Fee | Up to $25 |
| Returned Payment Fee | Up to $25 |
| Statement Copy | $5 |
| Rush card delivery | $37.50 |
The information usually needed to apply for a credit card is your legal name, birth date, address, Social Security Number, and annual income.
You will receive your card 7-10 days after you are approved or from when your replacement is requested.
Secured credit cards help build credit because they require a deposit as collateral, and your credit limit is the same as the deposit. So, if you deposit $1000 6 then your card limit is $1000. As long as you pay your bills on time you get the deposit back when you close out the credit card. While it's hard to say exactly how much or how fast your credit score will improve using a secured credit card, if used properly you can generally expect to start seeing improvements within a few months, and a strong improvement within a year.
A process called "underwriting" is how companies determine your credit limit. While the exact process differs from company to company, some of the main factors considered are income, debt, credit score, expenses, previous credit card payment history, and the balance you keep on any cards you currently have.
The minimum payment is the lowest amount of money that you are required to pay on your credit card statement each month. It is 2% of the total balance of your card (with a minimum of $18.00). It's important to make on-time payments, even if it is a minimum payment, to maintain a higher rate of repayment and to build your credit score.
You can make a payment toward your credit card balance several ways, including online via TDECU Digital Banking, at a Member Center, or over the phone. Please visit our Payment Center to learn more.
If you would like to request an increase on your credit limit, please call our Member Care team at (800) 839-1154 or visit one of TDECU's local Member Centers.
If you have ever canceled a credit card, you can apply for that credit card again at a later time. If your actions with the credit card were positive, such as making payments on time and not repeatedly maxing out the card, then you'll have good odds of getting the card again.
If a credit card application is rejected, first read the rejection notice to find out the reasons for the rejection. Additionally, it is a good idea to check your credit so you know if it meets the minimum score the card requires. If your credit is holding you back, you can apply for a credit card that fits your current profile, and if you currently have bad credit or no credit score, you can apply for a secured credit card.
Log into Digital Banking and in the Service Center tab, click on Manage Cards and then Travel Notifications.
We take protecting our Members’ finances seriously. If a TDECU credit card has been lost or stolen, or an account has been compromised, it is important for you to take the following steps:
To report fraud on a TDECU credit card, please contact: (888) 918-7341
A Schumer box is an easy-to-read table that summarizes the rates and fees of a credit card in the United States. It provides consumers information including the annual percentage rate (APR), the annual fee if applicable, cash advance fee, late payment fee, and returned payment fee. It is named after then New York U.S. Representative Chuck Schumer who helped create the legislation in 1988.
1 APR = Annual Percentage Rate. Rates, terms and conditions subject to change. Credit approval required.
2 Qualifying Purchases do not include Balance Transfers, Cash Advances, ATM Cash Disbursements, Money Transfers, Gaming Transactions, Tax Payments, Finance Charges, Fees and purchases of other cash equivalents, even if used to purchase goods or services, any Buc-ee's fuel or in-store purchases. Non-Qualifying Purchases do not earn any Rewards.
3 Introductory rate good until the first day of the billing cycle that includes the six-month anniversary date of the opening of your account and does not apply to cash advances on TDECU’s Onyx Credit Card.
4 Buc-ee’s fuel and in-store discount offer is available at participating locations, subject to end without notice, and is not valid with other discounts. Other restrictions may apply.
5 Offer only applied to balance transfer requests received by us within 30 days of account opening. Offer is available until further notice and is not valid with other discounts. Other restrictions may apply.
6 Minimum Share Secured Mastercard Classic balance is $1,000. Maximum is $50,000. Rates, terms and conditions subject to change. Other restrictions may apply.
Download our Credit Card Agreement and Disclosure
Download our Buc-ee's Credit Card Benefits Program Terms and Conditions
Download Cash Rewards FAQ here.
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