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TDECU Credit Cards

TDECU Credit Cards

Credit cards for every stage of life

Need to make a payment?

Need to make a payment?

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.

Choose the card that’s right for you

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.

All TDECU Credit Cards feature these benefits:


Cash Advance Fees


Introductory APR3


Annual Fee

Featured Credit Cards

Explore our most popular cards and find the one that best fits your needs.

Note: TDECU Credit Cards are available based on Membership eligibility. Confirm eligibility here prior to application. The Buc-ee's 5% or 10¢ discounts are not available in Alabama or Florida due to tax laws in these states.

Credit cards for rebuilding or building credit

Check out our cards designed to help those just starting out or rebuilding their credit.

Business Platinum Mastercard®
Ready to put money back into your business?

With no annual fee and rates as low as 7.99% APR, the TDECU Business Platinum Mastercard® is the right choice for small businesses.

Learn More

Terms, APR, and Fees for TDECU Mastercards

Interest Rates & Interest Charges
Annual Percentage Rate (APR) for Purchases 0% Introductory APR for six months3. 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 months5. 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

TDECU Credit Card Frequently Asked Questions

How old do you need to be to apply for a credit card?

You must be at least 18 years of age to apply for a credit card.

Can I apply for a credit card with TDECU if I have a low credit score?

Yes, you can and TDECU has a solution for you! If you lack credit history or have a low credit score, you may want to consider our Credit Builder Mastercard® or our Share Secured Mastercard®. Call us at (800) 839-1154 or visit a TDECU Member Center to explore your credit card options and to apply.

How long will it take to receive my credit card?

You will receive your card 7-10 days after you are approved or from when your replacement is requested.

What does minimum payment mean?

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.

How can I check my credit card application status?

You can check the status of your application by logging into our Application Status Center.

How can I make a payment toward my credit card balance?

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.

How do I report my card lost or stolen?

  1. Log into TDECU Digital Banking
  2. Click on Service Center from the Navigation Menu
  3. Click on Manage Cards
  4. Tap on the card or click on Card Details
  5. Click on Report Lost or Stolen
    • When reporting a card lost or stolen you will need to complete a short questionnaire. This information will be used to alert TDECU of any potential fraud on the account.
    • Once submitted, your card will be permanently deactivated. TDECU will mail a new credit card to your current address on file. To receive a new debit card, send a secured message via Digital Banking, call Member Care, or visit your nearest branch.
    • Once you report your card lost or stolen, the card will appear in a Lost or Stolen status within Digital Banking. When you log back in the card will no longer appear in the Card Management module.

What is a Schumer Box?

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.

Say goodbye to high-interest rate credit cards and transfer your balance to a TDECU credit card

1APR = 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.
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.
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.

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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