Last Updated: 04/18/2025
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Highlights
Purchase APR (Variable APR)
9.5% - 17.5%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
9.5% - 17.5%(Verified 06/21/2024)
Credit Score Range
740 - 850
Annual Fee
N/A
TDECU CU Onyx Mastercard Review
This is a card issued by TDECU Credit Union. If you're wondering whether TDECU CU Onyx Mastercard is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 12 months, which is the average period for 0% APR balance transfer cards.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 6 months.
- APRs: TDECU CU Onyx Mastercard has a variable regular purchase APR that ranges from 9.5% up to 17.5%.
- Excellent credit required. You will have good approval odds if you have an excellent credit score.
Pros & Cons of TDECU CU Onyx Mastercard
| The Good | The Bad |
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TDECU CU Onyx Mastercard FAQ
Does TDECU CU Onyx Mastercard have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Zero fraud liability
- Travel Accident Insurance
- Reports to major credit bureaus
What are the relevant APRs for TDECU CU Onyx Mastercard?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.TDECU CU Onyx Mastercard has a variable purchase APR that ranges from 9.5% up to 17.5%. The card has a variable balance transfer APR that ranges from 9.5% up to 17.5%. It also has a variable cash advance APR that ranges from 9.5% up to 17.5%.
Does TDECU CU Onyx Mastercard have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 12 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 9.5% - 17.5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro Fee % | Up to 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does TDECU CU Onyx Mastercard have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 0% on qualified purchases for a period of 6 months.
What are the fees for TDECU CU Onyx Mastercard?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $5.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
N/A.
What is the customer service phone number for TDECU CU Onyx Mastercard?
The customer service number for TDECU CU Onyx Mastercard is (800) 839-1154.
What is the support contact email for TDECU CU Onyx Mastercard?
The support contact email for TDECU CU Onyx Mastercard is administrator@tdecu.org.
How do people rate the customer service and user experience of TDECU CU Onyx Mastercard?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does TDECU CU Onyx Mastercard report your account activity to credit bureaus?
Yes, TDECU CU Onyx Mastercard reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does TDECU Credit Union perform a hard credit pull?
Yes, TDECU CU Onyx Mastercard performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for TDECU CU Onyx Mastercard
- Visit the website of TDECU CU Onyx Mastercard.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
10:00AM - 12:00PM
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Other Credit Cards from TDECU Credit Union
Rating not yet determined
Purchase APR
7.99% - 17.99%
Disclaimer popup with additional information
Balance Transfer APR
7.99% - 17.99%
Disclaimer popup with additional information
Credit Score Range
670 - 740
300
850
Annual Fee
N/A
Rating not yet determined
Purchase APR
7.99% - 17.99%
Disclaimer popup with additional information
Balance Transfer APR
7.99% - 17.99%
Disclaimer popup with additional information
Credit Score Range
670 - 740
300
850
Annual Fee
N/A
Rating not yet determined
Purchase APR
7.99% - 17.99%
Disclaimer popup with additional information
Balance Transfer APR
7.99% - 17.99%
Disclaimer popup with additional information
Credit Score Range
670 - 740
300
850
Annual Fee
N/A
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Learn MoreSuperMoney Net Recommendation Score
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TDECU CU Onyx Mastercard Community Reviews
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