DCU Visa Platinum Rewards Credit Card, how to earn/redeem rewards?

[Christina_xyt]

Simply want this card for free EQ score.. Would be good if it offers some sort of rewards..

On the site, it says "

• Earn points on every purchase
• Redeem for travel, merchandise, gift cards, and more"

So is it like 1% rate reward points?

and what does it mean redeem for travel/merchandise? as statement credit? and more? what more?

Hopefully people who currently have this card could maybe illustrate a bit more for me. Thanks!

[09Lexie]

DCU is a good cu but their reward cc is not the best. You can select their non reward product, comes with a lower APR , if all you want is the free score. Also,  you do not need their cc at all for the score-DD with their checking should suffice. 

[Christina_xyt]

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@09Lexie wrote:

DCU is a good cu but their reward cc is not the best. You can select their non reward product, comes with a lower APR , if all you want is the free score. Also,  you do not need their cc at all for the score-DD with their checking should suffice. 

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Do I have to have a checking account in order to apply for their CC? I wouldn't think so.. I am not too worried about the APR as I alwasy pif after statement cut if not before. I do just want the free score, but I guess I will use a little bit just to keep the alive. I guess the rewards actually don't matter since i would only use so tiny that i can't even redeem them.. Just kinda curious what excatly their rewards are...

[09Lexie]

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@Christina_xyt wrote:

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@09Lexie wrote:

DCU is a good cu but their reward cc is not the best. You can select their non reward product, comes with a lower APR , if all you want is the free score. Also,  you do not need their cc at all for the score-DD with their checking should suffice. 

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Do I have to have a checking account in order to apply for their CC? I wouldn't think so.. I am not too worried about the APR as I alwasy pif after statement cut if not before. I do just want the free score, but I guess I will use a little bit just to keep the alive. I guess the rewards actually don't matter since i would only use so tiny that i can't even redeem them.. Just kinda curious what excatly their rewards are...

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My point was you do not need the cc for a free score. The rewards are terrible and if you just wanted another TL, go for the no reward cc. 

[Christina_xyt]

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@09Lexie wrote:

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My point was you do not need the cc for a free score. The rewards are terrible and if you just wanted another TL, go for the no reward cc. 

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Oh interesting, i can just open a checking account for the free score? Can I open the account online or do i have to go to the credit union to do so?

[daybreakgonesXe]

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@Christina_xyt wrote:

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@09Lexie wrote:

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My point was you do not need the cc for a free score. The rewards are terrible and if you just wanted another TL, go for the no reward cc. 

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Oh interesting, i can just open a checking account for the free score? Can I open the account online or do i have to go to the credit union to do so?

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You can open it on-line, easy peasy

[09Lexie]

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@Christina_xyt wrote:

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@09Lexie wrote:

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My point was you do not need the cc for a free score. The rewards are terrible and if you just wanted another TL, go for the no reward cc. 

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Oh interesting, i can just open a checking account for the free score? Can I open the account online or do i have to go to the credit union to do so?

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It's a hp for membership 

[Anonymous]

I have a DCU account and u only need a checking account for the score and u can also sign up for they're free savings account. When I joined I got the secured Visa card with a $1,00 limit with a 11.8 apr(pretty good for a secured card).  They're rewards program isn't that great and comes with a 11.5 apr and the non rewards card comes with a 8.5 April and that's the one I intend on getting in 6 months or so. Great great credit union but u don't need the rewards card for the free Rico just the free checking account.  They have some good rewards though like a free ballon ride with x amount of points and NASCAR track driving but the rewards are also based  on the area u live as we'll.  hope this helps

Quicksilver One-$500; DCU Visa $1,000;  First Premiere-$300

[Kenny]

The low APR card is a good one and eventually you'll get a preapproval usually for a CLI -- and then they might drop your APR at the same time too if you don't get the best terms from the beginning like I didn't.

[Christina_xyt]

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@09Lexie wrote:

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@Christina_xyt wrote:

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@09Lexie wrote:

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My point was you do not need the cc for a free score. The rewards are terrible and if you just wanted another TL, go for the no reward cc. 

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Oh interesting, i can just open a checking account for the free score? Can I open the account online or do i have to go to the credit union to do so?

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It's a hp for membership 

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They will hp for opening a checking account? Or they do the hp for signing up for the free score?