We have the credit card you're looking for.
Whether you prefer cash back, a low interest rate or a rewards program, Deere Employees Credit Union (DECU) has a credit card to suit your needs. We understand that you want to manage your cards on the go at the convenience of your own device – laptop, desktop, tablet or smart phone – 24 hours a day, 7 days a week. We make this possible through our online account management tool. To make life even easier, we suggest enrolling in card alerts to monitor card activity and already enrolled you in fraud alerts.
Just so you know, during the application process we review your FICO score. It’s important for you to understand what goes into your FICO score, so please read more about them here or review frequently asked questions. As always, please reach out with any questions you may have.
DECU Signature Visa
DECU Platinum Plus Visa
Compare the Benefits of the DECU Visa Credit Cards
|Interest Rate and Calculations||Visa Signature||Platinum Plus||Platinum|
|Annual Percentage Rate||as low as 13.75% to 17.99%||as low as 11.40% to 17.99%||as low as 10.40% to 17.99%|
|APR for Balance Transfer||as low as 13.75% to 17.99%||as low as 11.40% to 17.99%||as low as 10.40% to 17.99%|
|APR for Cash Advance||17.90%|
|Balance Computation Method||Average daily balance (excluding new purchases)|
|Balance Transfer / Consolidation||Merchandise Rate|
|Credit Limits Starting at||$5,000||$500||$500|
|Grace Period||25 days for purchases/0 days for cash advances|
|Minimum Finance Charge||NA|
|Minimum Monthly Payment||2% of balance or $10 whichever is greater|
|Foreign Transaction Fee||$0|
|Other Card Benefits||Trip cancellation/interruption coverage, lost luggage reimbursement, Signature card auto rental collision damage waiver, Platinum and Platinum Plus card auto rental collision damage waiver, cardholder inquiry service, emergency card/cash disbursement|
* Penalty APR applied when 2 or more billing cycles past due. If APR is increased for this reason, Penalty APR applies until 6 consecutive payments made when due.
Set Up Card Alerts
Want to manage your cards with ease? Add Alert Messaging on all of your DECU cards to receive the real time notifications you are interested in.
Add Your Card to Mobile Wallet
Don’t forget to add your DECU credit card to your mobile wallet. Use Apple Pay®, Samsung Pay® or G Pay® to pay for your everyday purchases for a seamless and cardless experience.
Which DECU Visa Card is Best?
DECU offers three Credit Card Programs: Platinum, Platinum Plus and Signature. Depending upon how you use your card, our three card programs pay you back with a Lower Interest Rate, Merchandise and Travel Rewards or 1.5% Cash Back
DECU Visa Signature offers 1.5% Cash Back, every day, on every purchase and no rotating categories
DECU Visa Platinum offers a lower interest rate, which may benefit you if you cary a balance – up to 1% less than Platinum Plus
DECU Visa Platinum Plus offers rewards, one point per dollar spent. Redeem Points for Travel Rewards, Merchandise, Gift Cards or redeem points as a cash rebate to your DECU savings or checking account or Visa statement credit.
What is the maximum limit on a Credit Card?
Credit limits are based on individual credit history, credit score, income and relationship with the Credit Union. To learn more you may call us at 1-800-338-6739.
Do you have a Credit Card with rewards?
Yes we do. Our Visa Platinum Plus card has all the great benefits of our Visa Platinum card, plus Rewards! For every dollar you spend in purchases, you earn rewards points. Use your points to choose from travel and merchandise rewards along with event tickets, gift cards and account credits. Rewards are subject to terms and conditions.
Plus, the New DECU Visa Signature Card offers 1.5% Cash Back. No rotating categories, no limits, rewards do not expire and there is No Annual Fee.
Applying for your DECU Visa is easy.You can either complete an application in Online Banking (once logged in, click on Loan Requests tab), or call us at (800) 338-6739.
Can I get my Credit Card interest rate lowered and do you match other credit unions' interest rates?
DECU offers Best in Market rates for all deposit and loan products. We do not match competitor rates on credit cards nor do we lower the interest rate on cards. We monitor our cards based on credit scores and adjust the rate according to our credit card agreement.
Can I request a Credit Card limit increase online?
You can apply for a Visa credit card limit increase in Online Banking. Once logged in, click on the Loan Requests tab or call us at (800) 338-6739.
How do I activate my Visa Credit Card?
You may activate your Visa credit card by calling the number listed on the sticker on the front of the card or by calling Visa Card Services at 1-800-631-3197 24 hours a day, 7 days a week.