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, for even more protection, we have 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
Details
- 1.5% cash back on every purchase
- No annual fee
- Sign-On Bonus: $200 statement credit and 5.99%APR on balance transfers within the first 90 days
- 24/7 cardholder assistance (855) 789-8188
DECU Platinum Plus Visa
Details
- One point per $1 spent: redeem points for travel rewards, merchandise, gift cards or cash
- No annual fee
- Sign-On Bonus: 10,000 points and 4.99%APR on balance transfers within the first 90 days
- Earn and redeem CU Rewards – Simply, log in to Digital Banking to start
- 24/7 cardholder assistance (855) 779-1061
DECU Platinum Visa
Details
- Low rate
- No annual fee
- Sign-On Bonus: $50 statement credit and 3.99%APR on balance transfers within the first 90 days
- 24/7 cardholder assistance (855) 779-1061
Compare the Benefits of the DECU Visa Credit Cards
| Interest Rate and Calculations |  Visa Signature |
 Platinum Plus |
 Platinum |
|---|---|---|---|
| Annual Percentage Rate | as low as 15.25% to 17.99% | as low as 12.90% to 17.99% | as low as 11.90% to 17.99% |
| APR for Balance Transfer | as low as 15.25% to 17.99% | as low as 12.90% to 17.99% | as low as 11.90% to 17.99% |
| APR for Cash Advance | 17.90% | ||
| Penalty APR* | 17.90% | ||
| Balance Computation Method | Average daily balance (excluding new purchases) | ||
| Balance Transfer / Consolidation | Merchandise Rate 2% of each transfer amount ($10 minumum and $75 maximum) |
||
| 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 | ||
| Concierge Service | Yes | NA | NA |
| Other Card Benefits | Visa Credit Card Travel Accident and Baggage Delay Insurance; Visa Credit Card Benefits Guide | ||
| Sign-On Bonus |
|
|
|
* 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. All loans issued are subject to credit approval. Click to view all VISA disclosures.
Set Up Card Controls
Set alerts, controls and spending limits for all your DECU cards. Control how, when, and where your cards are used.
Add Your Card to Mobile Wallet
Add your DECU credit card to mobile wallet and use Apple Pay®, Samsung Pay® or G Pay® to pay for purchases with 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 Digital 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 Digital 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.
How do I set up or change my Visa® Purchase and Activity Alerts?
Recommended Reading
How to Save Money on Holiday Travel
This year has brought a tough economic climate, including high inflation and a less stable employment market. Despite higher prices on everything from flying to buying snacks, many people still want to travel in possible record numbers this holiday season. Just because you want to go home for the holidays doesn’t mean you have to break […]
Bad Credit Habits & How To Break Them
Many people make financial decisions that they believe will lead to a stronger overall credit profile for themselves without fully understanding the impact of those decisions. Unfortunately, a lot of these decisions are mistakes that end up hurting their overall credit and prevent them from being able to borrow money or get lower interest rates […]
How to Save for the Holidays
The Holiday Industrial Shopping Complex Annual surveys of more than 1,000-holiday shoppers regularly show that, on average, holiday purchases add as much as $1,381 in debt to individual credit cards in the three months leading up to the arrival of the holiday. This is a sum that most people say they can’t possibly pay down […]
What Does Your Credit Score Mean?
The Fair Isaac Corporation Lending money is a risky business for moneylenders. But risk is also the cost of doing business. To hedge bets in deciding whether to issue a loan, the FICO Credit Score was adopted nationwide in 1989 as the standard gauge for a potential debtor’s creditworthiness. In the days before credit scoring, […]