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Banking RegistryReal data. Clear answers.Data as of Oct 14, 2026
Banking RegistryReal data. Clear answers.
Artwork source · Texas Dow Employees Credit Union ↗

Onyx Visa SignatureTexas Dow Employees Credit Union · state credit union, TX · NCUA 60705

CurrentLast observed Oct 14, 2026Source date Oct 14, 2026Official issuerCredit card · Consumer · VisaNetwork stated on issuer website
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Purchase APR
13.24%–17.99%
variable
Balance transfer
—
Cash advance APR
—
Annual fee
No annual fees
a year
Foreign fee
2%
of the amount
Grace period
—

Rates and fees

Product terms with exact source passages
TermValueAs printed in the sourceSource
APR for purchasesintroductory rate first
Introductory, 3 months0%TEXAS DOW EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“0% Introductory rate for purchases is good until the first day of the billing cycle that includes the three-month anniversary date of the opening of your account. Introductory benefits apply only to new credit card accounts. Existing accounts that have been converted from Mastercard® to Visa® are not considered new accounts and are not eligible for introductory benefits.”TEXAS DOW EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
13.24%–17.99% variableTEXAS DOW EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“13.24% - 17.99%”TEXAS DOW EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
APR for balance transfers—no source read
APR for cash advances—no source read
Penalty APRafter a late or returned payment—no source read
Paying interestgrace period on new purchases—no source read
Annual feeNo annual feesTEXAS DOW EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“In addition to no annual fees, TDECU Credit Cards also come with the following”TEXAS DOW EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Transaction fees
Cash advance5% of the amount, minimum $10, 5% minimum fee of $10.00TEXAS DOW EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“5% minimum fee of $10.00”TEXAS DOW EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Balance transfer5% of the amount, 5% of the balance transfer amountTEXAS DOW EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“5% of the balance transfer amount”TEXAS DOW EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Foreign transaction2% of the amount, 2% of the total purchase amount in U.S. dollarsTEXAS DOW EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“2% of the total purchase amount in U.S. dollars”TEXAS DOW EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Penalty fees
Late payment—no source read
Returned payment—no source read
APR qualificationsPurchase · Introductory 0% Introductory rate for purchases is good until the first day of the billing cycle that includes the three-month anniversary date of the opening of your account. Introductory benefits apply only to new credit card accounts. Existing accounts that have been converted from Mastercard® to Visa® are not considered new accounts and are not eligible for introductory benefits.TEXAS DOW EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“0% Introductory rate for purchases is good until the first day of the billing cycle that includes the three-month anniversary date of the opening of your account. Introductory benefits apply only to new credit card accounts. Existing accounts that have been converted from Mastercard® to Visa® are not considered new accounts and are not eligible for introductory benefits.”TEXAS DOW EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
APR qualificationsPurchase · Regular13.24% - 17.99%TEXAS DOW EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“13.24% - 17.99%”TEXAS DOW EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Cash back2% cash back. Payment timing is not disclosed. , you can earn unlimited 2% Cash Rewards on all eligible purchasesTEXAS DOW EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“, you can earn unlimited 2% Cash Rewards on all eligible purchases”TEXAS DOW EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Cashback qualificationsCash back Eligible purchases are purchases for goods and services, minus returns and other credits. Eligible does not include fees, interest charges, balance transfers, cash advances, convenience checks, purchases for cash equivalents (money orders, gift cards, prepaid cards), disputes and illegal transactions, or gambling. For more information, visit TEXAS DOW EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“Eligible purchases are purchases for goods and services, minus returns and other credits. Eligible does not include fees, interest charges, balance transfers, cash advances, convenience checks, purchases for cash equivalents (money orders, gift cards, prepaid cards), disputes and illegal transactions, or gambling. For more information, visit”TEXAS DOW EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website