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If you’re looking for a card that offers great benefits, the TDECU Onyx credit card might be the perfect choice. Combining cashback rewards and attractive fees, this card stands out in the market.
Issued under the Mastercard network and with top-notch security, this card offered by TDECU can bring numerous advantages to your financial life. With it, you can shop anywhere without complications and still have access to incredible perks.
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But what makes this card so special? Let’s explore the features and benefits it offers and why it might be the right card for you. Keep reading to discover all the details that make it a beneficial option for your financial needs.
About the Issuer
TDECU, or Texas Dow Employees Credit Union, is a credit union that has been serving its members since 1955. Based in Lake Jackson, Texas, TDECU offers a wide range of financial services, including savings accounts, loans, and, of course, credit cards like the Onyx Mastercard.
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As a credit union, TDECU is owned by its members, meaning its priorities are aligned with the interests of its customers. This is reflected in the competitive financial products offered and a commitment to excellence in customer service.
Moreover, TDECU is known for its strong community engagement, investing in local initiatives and support programs that benefit its members and the community at large.
Benefits
Cashback Rewards: The TDECU Onyx Mastercard offers 2% cashback on all qualifying purchases, allowing you to quickly accumulate rewards without worrying about specific spending categories.
No Annual Fee: One of the great advantages of the TDECU Onyx is the absence of an annual fee. This means you can enjoy all the benefits of the card without worrying about additional costs.
Competitive Interest Rates: The card offers an introductory interest rate of 0% for purchases and balance transfers during the first six months, followed by a variable rate between 7.99% and 17.99%, depending on your credit evaluation.
Payment Protection: The TDECU Onyx Mastercard includes payment protection, helping you keep your account in good financial standing even during unexpected life events.
Fraud Alerts: Stay informed about any unauthorized purchases with fraud alerts activated through the TDECU digital banking app, providing additional security for your transactions.
Card Control: With the TDECU Onyx, you can activate and deactivate your card, report loss or theft, and set up travel notifications directly from the digital banking app, offering convenience and complete control over your card.
TDECU Onyx – Fees and commissions
The TDECU Onyx card is popular among the public for being completely free of annual fees. This means you can enjoy all the benefits without worrying about additional expenses.
During the introductory period, which lasts for 6 months, the Annual Percentage Rate (APR) for purchases is 0%. After the offer ends, the standard variable rate ranging from 9.50% to 17.50% begins.
For urgent card delivery, there’s a charge of $37.50. For statement copy, there’s a $5 fee. For returned payment fee, there’s a charge of up to $25, and the same applies to late payment.
Card limit
The credit limit of the TDECU Onyx is determined based on a detailed analysis of the applicant’s creditworthiness and available income. This premium card offers a limit that can be significantly higher than basic cards.
In addition to the initial limit, which is adjusted according to the applicant’s financial profile, the card has a flexible limit review policy. Customers who demonstrate responsible credit behavior may have their limits increased regularly.
This continuous increase provides greater purchasing power and financial flexibility. Additionally, the TDECU Onyx Mastercard offers exclusive benefits, making it an excellent choice for those seeking a credit card with additional perks and a higher limit.
Positive points
- GREAT CASHBACK PROGRAM:The 2% cash rewards are a major draw.
- EASE OF USE:With no annual fee and competitive rates, the card is convenient for everyday use.
- ADDITIONAL BENEFITS:In addition to rewards, the card offers fraud protection and other benefits.
Negative points
- LATE FEES:TDECU charges fees whenever there’s a delay in paying the bills.
- AVAILABLE ONLY TO MEMBERS:To acquire the card, you need to become a member of the TDECU cooperative.
- ELIGIBILITY:Other eligibility criteria may hinder approval.
How to apply for – TDECU Onyx
- Through your preferred browser, visit the official TDECU website;
- Read all information related to TDECU Onyx and then select the “Apply Now” option;
- Provide your email, full name, and proceed;
- Now you need to provide your current phone number. A verification code will be sent to it, and you need to input it directly on the website to proceed;
- Fill out the form with the remaining requested data, including residential, personal, and financial information;
- Submit your application and wait for the credit check to be conducted;
- When approved, TDECU will issue the card and send it to your address.
How to contact TDECU
For more information or clarification of doubts about the TDECU Onyx credit card, don’t hesitate to contact the TDECU team through the channels below:
- Use the chat available on the official bank website;
- Call 877 404 1009.
With great cashback rewards, no annual fee, and various security and control tools, this card can be the perfect addition to your financial portfolio. Apply now for your TDECU Onyx!
