With a rate below the national average, this credit card is perfect for consolidating debt and paying down larger purchases faster over a shorter period of time. If you need to carry a balance, it’s good for that too.
When you add your DCU credit or debit card to your Mobile Wallet and make a purchase, your personal information is encrypted – so even if retailer is hacked, your cards won’t be compromised.
Get ID Navigator and stay informed against identity theft. Plus, get dark web monitoring, stolen wallet assist, and data breach notifications.
This feature allows you to extend the warranties of eligible items purchased with your Visa® card.
Visa® credit cardholders get a free membership, which includes free same-day delivery on orders $35+. Offer terms apply.
lowest apr for purchases
lowest apr for balance transfers
lowest apr for cash advances
$0 annual fee
$0 balance transfer fee
$0 cash advance fee
$0 Foreign Transaction Fee
Rates are effective as of
APR = Annual Percentage Rates are determined by your creditworthiness at time of opening. Rates are variable and will vary with the market based on the Prime Rate and can change monthly. Maximum rate is 18%. Please refer to DCU’s Visa Credit Card Agreement for Consumers for full applicable terms and conditions.
Responsible use of credit cards can help you improve your credit score and make the most of your credit card rewards. Try these tips from DCU to use your credit card wisely.
It pays to evaluate credit card offers carefully before signing up for introductory offers. Avoid the pitfalls of store credit cards with tips from DCU.
Mobile wallets are gaining in popularity as a way to make secure, contactless payments. Follow our simple tips for getting started.
Watch for these hidden holiday costs and learn how to stretch your dollar further as you shop with these tips from DCU.
A balance transfer can help or hurt your credit score depending on a few factors. Learn how balance transfers work with this article from DCU.
Holidays are a time for celebration, giving, and inevitably—spending. DCU offers tips for using credit cards wisely during the holiday season
When and why should you use credit cards? And how can you use credit cards responsibly? DCU offers guidelines for credit card use.
New to credit cards? DCU helps explain the basics of credit cards — how to qualify, build credit, and spend responsibly.
Explore DCU's Credit 101 guide to learn the fundamentals of credit, empowering you to build your score and gain buying power.
Interested in buy now, pay later versus using credit cards? DCU offers this resource to help detail the differences and benefits of each purchase option.
Building your credit and improving your score shouldn’t be complicated. Utilizing a Visa Credit Card from DCU can help you achieve your credit goals.
Fill in the personal and financial information sections of the application.
Determine how much you can afford and research financing options.
Make sure your information is correct and submit. It’s that simple.
This credit card that has a great rate and even greater rewards.
Could help with building or rebuilding your credit.
²FICO® is a registered trademark of Fair Isaac Corporation in the United States and other countries. DCU and Fair Isaac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. DCU and Fair Isaac do not provide “credit repair” services or advice or assistance regarding “rebuilding” or “improving” your credit record, credit history or credit rating.