Choose the Card That Matches Your Lifestyle—Not the Bank's
Credit is more than a payment method; it's a tool for stewardship, travel, and family needs. That tool should reward you generously, protect you fiercely, and charge you fairly. Every DFCU Visa® comes with zero annual fees, 24/7 Utah‑based support, CardHub controls, and NXG identity‑theft restoration. Carry a card that helps you build credit wisely and gives back along the way.
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Visa Signature — Premium Cash Back
Cash‑Back Powerhouse for Families on the Go
Need a card that pays for date night, family road trips, and even online shopping? Visa Signature delivers tiered cash rewards without hoops or rotating categories.
Why members love it: A single family can earn $40–$60 in cash back each month just by charging everyday needs—and with no annual fee, every dollar is yours to keep.
5%
Cash back at merchants you choose each quarter (fuel, groceries, or restaurants).
3%
Back on all travel—air, hotel, and rideshare.
2%
At gas stations, restaurants, and EV charging stations.
1%
On everything else, credited monthly to your statement.
World‑class perks: roadside dispatch, travel accident insurance, extended warranties.
Visa Platinum Rewards — Flexible Points
Turn Everyday Purchases Into Travel, Gifts, or Cash
If you prefer points flexibility over straight cash, Platinum Rewards stacks quickly and redeems easily—think hotel stays for youth conferences or gift cards for missionary care packages.
Why members love it: Families planning vacations can offset hotel costs while still earning points on shopping, tuition, and every grocery run.
1 point per $1
Spent, no category caps.
2× and 3× point promos
Throughout the year on select merchants.
Redeem 2,500 points for $25 gift card, travel credit, or direct deposit.
Intro balance‑transfer offer:
0% APR for 12 months on transfers made within 60 days of opening—zero fee.
Rates as low as 13.49% APR variable on purchases.
Visa Platinum — Low Fixed Rate
The No‑Nonsense Card for Carrying Balances or Big Projects
When your goal is to save on interest, nothing beats the DFCU Visa Platinum. Enjoy a fixed APR as low as 8.90%*—no teasers, no surprises, and no increase after 12 months. It's ideal for consolidating high-interest cards, funding home projects, or managing larger expenses over time.
Your card includes all the same protections and controls—CardHub for real-time locks and spend alerts, no annual fee, and a 25-day grace period on purchases when paid in full.
Simple, predictable, and budget-friendly—because stability is its own reward.
Balance Transfer & Card Benefits
Simplify, Save, and Secure Your Spending
Transfer existing balances to a DFCU Visa and pay no balance-transfer fee—ever. Whether you're looking to simplify payments or cut interest costs, it's one of the easiest ways to take control of your finances.
Every card also includes real-time fraud alerts, mobile wallet compatibility, and Skip-a-Pay eligibility once per year. Moving a balance of $8,000 from a 19% retail card to a DFCU Platinum at 8.90% could save you over $800 in interest the first year alone.
Why DFCU Cards
Member‑first pricing:
Profits recycle into better rates, not shareholder dividends.
Digital convenience:
Manage your card through online banking and our mobile app.
Local decisioning:
Approvals often same‑day; pick up your card in‑branch or get it by mail within a week.
24/7 human support:
Talk to a Utah‑based specialist anytime. No overseas call centers.
Ready to Carry a Card That Serves You—and Your Why?
Become a Member Today
Become a Member Today
LDS Members and others are welcome to join us as members.
View High-Yield Savings Accounts
Save More, Stress Less
Earn Top Rates with Our High-Yield Savings—No Fees, No Fuss.
APR = Annual Percentage Rate. Variable APRs adjust with prime; fixed APR remains the same for the life of the loan. All rates, rewards, and terms effective today and subject to change. Approval and rate depend on creditworthiness. Membership and eligibility required.