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5 Star Rating
Verified CustomerI love TDECU CREDIT UNION. They helped me get started improving my credit and taught me a lot about finances. They’re always there when I have questions or concerns.
Product: TDECU Credit Cards
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Compare TDECU Credit Cards
Please find below credit cards offered by TDECU.
Updating Results
Purchase Intro APR0% for 6 months
Transfer Intro APR0% for 12 months|Transfer Fee: $0
Regular APR9.5% - 17.5%
Purchase Intro APR
0% for 6 months
Transfer Intro APR
0% for 12 months|Transfer Fee: $0
Regular APR
9.5% - 17.5%
annual fee
$0
rewards rate
2% Cash Back
minimum credit
Excellent Credit
Pros
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- High rewards rate
Cons
- No rewards bonus
- Requires excellent credit
Rewards Details
- Earn 2% cash rewards on all Qualifying Purchases.
- No limit of rewards you can earn as long as your account is open and in good standing.
- Save 10¢ per gallon when you buy fuel at Buc-ee’s using any TDECU credit card.
- Refer a friend and get a $50 Visa Reward Card when your friend registers, opens a new credit card and completes five credit card purchases greater than or equal to $15 within 60 days of account opening.
- Your cash rewards will be automatically applied as a credit to your account during October each year.
Additional Info
- $5,000 minimum credit line.
- Travel Benefits: Baggage Delay Insurance & $100,000 Travel Accident Insurance.
- Mastercard benefits: Global services, ID theft protection & Zero liability protection.
- See More Details & Reviews About TDECU Onyx Mastercard®
Purchase Intro APR0% for 6 months
Transfer Intro APR0% for 12 months|Transfer Fee: $0
Regular APR7.99% - 17.99%
Purchase Intro APR
0% for 6 months
Transfer Intro APR
0% for 12 months|Transfer Fee: $0
Regular APR
7.99% - 17.99%
annual fee
$0
rewards rate
None
minimum credit
Limited History
Pros
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- No foreign fee
Cons
- No rewards
- No rewards bonus
Additional Info
- Save 10¢ per gallon when you buy fuel at Buc-ee’s using any TDECU credit card.
- Refer a friend and get a $50 Visa Reward Card when your friend registers, opens a new credit card and completes five credit card purchases greater than or equal to $15 within 60 days of account opening.
- $100,000 Travel Accident Insurance.
- Baggage Delay Insurance.
- Mastercard® Emergency Cardholder Services.
- See More Details & Reviews About TDECU Classic Mastercard®
Purchase Intro APR0% for 6 months
Transfer Intro APR0% for 12 months|Transfer Fee: $0
Regular APR7.99% - 17.99%
Purchase Intro APR
0% for 6 months
Transfer Intro APR
0% for 12 months|Transfer Fee: $0
Regular APR
7.99% - 17.99%
annual fee
$0
rewards rate
None
minimum credit
Good Credit
Pros
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- No foreign fee
Cons
- No rewards
- No rewards bonus
- Requires good/excellent credit
Additional Info
- Save 10¢ per gallon when you buy fuel at Buc-ee’s using any TDECU credit card.
- Refer a friend and get a $50 Visa Reward Card when your friend registers, opens a new credit card and completes five credit card purchases greater than or equal to $15 within 60 days of account opening.
- $100,000 Travel Accident Insurance, ID Theft Protection & Baggage Delay Insurance.
- Mastercard® Global Service.
- See More Details & Reviews About TDECU Platinum Mastercard®
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TDECU Credit Card Reviews
3.6
21 reviews
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5 Star Rating
Look They seem to take points off w:0 knowing what’s going on But I have paid thousands on my CC September 29 and the bank even has it iup for all of you guys & Transunion to see & 4 bills r s incorrect in there balances for 2 weeks ! What’s upHow did it go up calling tonight I’ve been I’llpaid 800 todayseot 30 cutting Bill in The account payments crossed I paid on sept 30 so it must b fixed this monthtywhat is happening I reported fraudulent activity 3 times same party 88.95 99. 95 , now again 99.95 what in blazed is happening . My utizat. Is suffering my score should b going up I have clise ti 490 unanswered dollars coming out of my checking I won’t b able to pay bills . It will b reported to Transunion next police clarity now , whatever they are , are fraudulently stealing , what is TD C Svce doing nothing help pleasrmust close fraudacrivity my bill should b paid Report made 2 weeks ago & charges continuethis company I hitting me for 99 dollars every 10 days Please please stop this
Product: TDECU Credit Cards
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3 Star Rating
It is a good card, but the applicant needs an excellent FICO score. It offers 2% rewards with an annual spending between $15,000 and $500,000, and none
reward thereafter. If you spend less than $15,000 per year the reward rate is 0.5% - 1%. Rebates are paid a time per year.
reward thereafter. If you spend less than $15,000 per year the reward rate is 0.5% - 1%. Rebates are paid a time per year.
Product: TDECU Credit Cards
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Hi Bitholov, this information might be outdated. This card offers 2% rewards on qualified purchases up to $500,000 with a maximum annual reward of $10,000. Rewards are paid annually once a year.
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1 Star Rating
Verified CustomerCredit card was on Autopay, when it failed, they reported as late. They refuse to resolve any issues. Phone service hangs up when we are very polite, or place on hold forever. Interest rates are terrible, customer service is awful.
Product: TDECU Credit Cards
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5 Star Rating
Verified CustomerI got Texas Dow credit card by chance I had begun to build my credit I got a good paying job so I went in and I asked for a lot of credit card at I filled out the application and was approved for $5,000 since then I have minimum internal drive work for a month and I began to use the credit card I want about my spending limit I went above my spending percentage I always try to keep my cards less than 12% but I used all of it things to 100% of the 5,000 so it ran my credit score 68 points down I went from a 6 9026 18
Product: TDECU Credit Cards
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TDECU Credit Card Q&A
Get answers to your questions about TDECU Credit Cards below. For more general questions, visit our Answers section.
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What's the starting credit limit for the TDECU Classic Mastercard?
3
UpvotesReply
Anne Murray
The TDECU Classic Mastercard's starting credit limit is $500. Credit limits can vary, though, and you may be granted a higher limit. It depends on your credit score, income, or debt-to-income ratio.
TDECU also offers automatic credit limit increases for cardholders who show responsibility and always pay their bills on time and in full. You can even try requesting an increase by calling (800) 839-1154.
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How can I do a balance transfer with the TDECU Classic Mastercard?
3
UpvotesReply
Neil Elliot
You can do a balance transfer with the TDECU Classic Mastercard online, by calling 1-866-820-3867 or by visiting your nearest TDECU Member Center.
The TDECU Classic Mastercard has an intro balance transfer APR of 0% for 12 months and a $0 balance transfer fee. In order to qualify for the introductory offer, you must request a transfer in 30 days of account opening.
Remember, that balance transfers cannot exceed your available credit, and you cannot do one between 2 TDECU accounts!
Can you get approved for the TDECU Classic Mastercard after bankruptcy?
2
UpvotesReply
Evelyn Boros
Yes, you might get approved for the TDECU Classic Mastercard® after bankruptcy. But it's best to wait at least 2 years after discharge before submitting an application. You can even call TDECU's customer service line at (800) 839-1154 to find out about your eligibility. With a few details about your bankruptcy, a representative should be able to assess your approval odds.
If you're not eligible for the TDECU Classic Mastercard® yet, you might have, better luck with a bankruptcy credit card instead. These cards have lenient requirements and offer the best approval odds.
Does TDECU Classic Mastercard report to all bureaus?
2
UpvotesReply
TDECU
Hello, yes, we report to all three credit bureaus for all our credit cards.
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What's the TDECU Classic credit score requirement?
2
UpvotesReply
Benny Joseph
The TDECU Classic was designed for people with no credit, so you should be at the very beginning of your credit journey.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
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