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Classic Mastercard ® from TDECU

Classic Mastercard®
from TDECU

Build your credit with no annual fees
and rates as low as 7.99% APR1

Apply Now

Is the Classic Mastercard® right for me?

The Classic Mastercard® is best for those working to establish or rebuild their credit. If you are just starting out, or getting back on track, the Classic Mastercard® is the right choice for you!

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A credit card to get you started on the right path

We designed our Classic Mastercard® to help first-time card holders start off on the right foot. With no annual fees and rates as low as 7.99% APR1, the Classic Mastercard® from TDECU is a great option to help you build or rebuild your credit responsibly. Do you already have established credit and a good to excellent credit score? Consider applying for our Onyx or Buc-ee’s Platinum Mastercard®.

The Classic Mastercard® from TDECU features these benefits:

0%

Introductory APR3

Save 10¢

On fuel at participating Buc-ee’s2

$0

Annual Fee

7.99% - 17.99%

APR for purchases
Recommended credit: Moderate

Additional Benefits

  • No annual fees or cash advance fees

  • No penalty pricing

Minimum payment and incentives

  • Minimum payments as low as 2% of your balance (minimum $18)

  • 25–day interest–free grace period if balance is paid in full by the next payment due date

Travel benefits

  • Worldwide acceptance and ATM access
  • Baggage Delay Insurance
  • $100,000 Travel Accident Insurance
  • No currency conversion charges
  • Mastercard® global services

Account and purchase protection

  • Zero liability protection5
  • Free identity theft protection
Note: TDECU Credit Cards are available based on Membership eligibility. Confirm eligibility here prior to application.
Ready to get the credit you need?

Apply for your Classic Mastercard® today

Apply Now

Annual Purchase Rates and Fees

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 months4. 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 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.
For 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

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

Transfer Your Balances

Classic Mastercard® 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.

What information does TDECU require when I apply for a credit card?
You will need to provide information such as your Social Security number, date of birth, employment information and income details.

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 is an APR?
Annual Percentage Rate. Credit cards state the interest rate as an annual rate. This indicates how expensive a transaction will be if you finance it over that time. To avoid paying interest, you can take advantage of your grace period by making your payments on time.

What is the grace period?
The grace period is the time during which you are allowed to pay your credit card bill without having to pay interest, as long as you pay your balance in full. This is a period between the end of a billing cycle and the date your payment is due. TDECU’s grace period is 25 days.

Do TDECU credit cards charge annual fees?
No, none of our credit cards charge annual fees.

1APR = Annual Percentage Rate. Rates, terms and conditions subject to change. Credit approval required.
2 Buc-ee’s fuel discount offer is subject to end without notice, and is not valid with other discounts. Other restrictions may apply.
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.
4 0% introductory APR for the first twelve months on balance transfers processed within the first 30 business days of account opening.
5 Zero Liability protection from Mastercard provides protection against "unauthorized transactions”.
For details or questions call Mastercard Assist at 800-622-7747
Download Agreement and Disclosure here.

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