Visa® Credit Card

The Cards that Really Reward You

DCECU offers two Visa credit card programs to our members. Members that carry a balance and desire our lowest interest rate may prefer our Low Rate Visa while our Rewards Visa is the perfect choice for members that enjoy a robust rewards/points program.

Card Programs

  Low Rate Visa Rewards Visa
No Annual Fee
Minimum credit line $2,500 $2,500
APR1 as low as 8.90% 9.50%2 (Variable)
Introductory APR on balance transfers3 3.90%  
YourRewards points  
Visa Zero Liability Protection
True 25-day interest free grace period
Chip-Enabled EMV Security
Cardholder Offers and Discounts
Eligible for Year-End Loan Interest Rebate
Free Travel Accident Insurance
Free Auto Rental Insurance
  Apply Now Apply Now

Take Charge Visa

DCECU believes in educating younger members about the wise use of credit. Our Take Charge Visa credit card allows parents to control the credit limit, but gives minors the opportunity to have their own credit cards, build personal credit histories and receive their own statements.

Apply Now


  • Available on the DCECU Rewards Visa
  • Earn 1 YourRewards point for every net retail $1 you spend
  • Redeem points for merchandise, gift cards, travel and more
  • Receive double rewards points for your first 90 days

You can access YourRewards quickly and conveniently via Online Banking:

Access Now

Alternatively, you can access YourRewards by entering your rewards credentials here:

Access your YourRewards account

Free Travel Accident Insurance

So you like to travel? Use your DCECU Visa and we’ve got you covered. Purchase tickets (air, land, or sea) using our credit card and you’re covered in the event of an accident or loss.

For full details, please see our Visa Travel Accident Disclosure.

Free Auto Rental Insurance

Take advantage of 24 hour vehicle rental coverage by using your DCECU Visa to rent your next vehicle. Enjoy peace of mind at no extra cost to you. Restrictions apply.

How to Use Your EMV, Chip-Enabled Visa Credit Card

Payment Information

Payment Mailing Address

P.O. Box 37603
Philadelphia PA 19101-0603

2016 Statement Closing Date Calendar

Payments are due on the 16th of every month. (25 days after statement closing date)

Jan. 22, 2016 Feb. 19, 2016 Mar. 22, 2016 Apr. 21, 2016 May 22, 2016 Jun. 21, 2016
Jul. 22, 2016 Aug. 22, 2016 Sep. 21, 2016 Oct. 21, 2016 Nov. 21, 2016 Dec. 22, 2016

Fraud Protection

You work hard for what you have. DCECU and Visa work hard to protect it.

  • Zero Liability - Ensures you won’t have to pay for unauthorized purchases
  • EMV, Chip-Enabled Technology - A more secure way to pay with a Visa credit card for purchases made in-store with retailers using EMV Chip-enabled card readers
  • Verified by Visa - Additional password protection at select merchants to help make sure you’re the only one who can use your card online. For more information, please see Verified by Visa.
  • 3-digit Security Code - Adds even greater protection when shopping online or over-the-phone
  • ID Theft Assistance - Provides access to counseling services at no additional cost to help resolve any ID theft issues
  • Fraud Monitoring - Transactions that occur on any DCECU Visa are monitored by Falcon, a fraud monitoring service, free of charge.

For more information about Visa security, visit


Save yourself from a denied transaction by letting us know when and where via chat, phone, or secure message.

Although this is the best way to prevent delays while using your card, some activity may still raise an alert in our fraud monitoring system. Make sure that you have updated contact information on file if we need to verify a purchase.

Lost or Stolen?

Do you believe your card has been lost or stolen? Call:

800.449.7728 Within the US
727.299.2449 From outside the US
  1. APR = Annual Percentage Rate. ↩︎

  2. Varies quarterly based on the Wall Street Journal® prime rate + 6.00% in effect on the 25th of the month preceding the end of the calendar quarter. The potential maximum rate is 18.00% ↩︎

  3. 3.90% APR1 introductory rate during the first 15 monthly billing cycles from the card account opening on balance transfers completed within the first 90 days. ↩︎