Visa® Credit Card

Cards with Your Spending Style in Mind

DCECU offers three Visa Credit Card options. Whether you tend to carry a balance on your credit cards or pay them off monthly, DCECU has a program to benefit you.

  • A Low-Rate Visa is a great choice for those who carry a balance and want the immediate savings of our lowest interest rate.
  • A Rebate-Eligible Visa is a great option for those who carry a balance on their card and want the potential to get back a chunk of the interest they pay over the year through our year-end Loan Interest Rebate.
  • A Rewards Visa is the perfect choice for those who like earning cash back, merchandise or gift cards for the dollars they spend.

Card Programs

Effective June 18, 2018
Features Low Rate Visa Rebate Eligible Visa Rewards Visa
Non-variable APR for purchases 6.90% 8.90% 9.90%
Eligible for Year-End Loan Interest Rebate    
YourRewards program with double points for the first 90 days    
Introductory APR on balance transfers1 0.00%2 3.90%3  
No International Transaction Fees4
$2,500 minimum credit line
No annual fee
Visa Zero Liability Protection
True 25-day interest free grace period
Chip-Enabled EMV Security
Fraud and theft protection
Card Lock
Cardholder Offers and Discounts
Free Travel Accident Insurance
Free Auto Rental Insurance
Identity Theft Protection
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  1. Balances on non-DCECU credit cards are welcome. Current DCECU credit card balances are not eligible for offer. ↩︎

  2. For balance transfers: 0.00% Introductory APR for 15 billing cycles, on transfers initiated within 90 days of card opening. After that, your APR will be 6.90%. Introductory Balance transfers will have a fee of the greater of $25 or 3% of the amount of the balance transfer. Offer valid only on balances from non-DCECU credit cards; current DCECU credit card balances are not eligible. ↩︎

  3. For Balance Transfers made on the account within 90 days of account opening. After the first 15 billing cycles the account is open, your APR will be 8.90%↩︎

  4. A usage fee may be charged by Foreign ATM operators. Currency conversion rates are set by VISA and are subject to change. ↩︎


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

Access your YourRewards account

Get Your Card in Minutes

Need to replace a lost DCECU Visa Credit card? Want to apply for a new card and start using it right away? Just come to DCECU, and we’ll have a card for you in a matter of minutes. Fees may apply.

Mobile and Digital Wallets

With mobile and digital wallets, you can securely make purchases at a store with your mobile device or online with your computer or other device.

Learn More and Enroll

Perks, Protection, Payment

Free travel accident insurance
Free auto rental insurance
Fraud protection
Card Lock
Reporting a lost or stolen card
How to pay your Visa bill
Visa Account Updater
Identity Theft Protection