Visa Signature Card
Our Premier Daily Cash Back Credit Card
This card is designed for established credit users — the best option for members who put all their purchasing onto one card. It's loaded with features and benefits, and your cash back is deposited into your Membership Savings account every day a transaction posts to your credit card.
How To Earn Cash Back
Earn up to 5% daily cash back based on where you shop — automatically.
5%
Select Businesses*
3%
Travel
2%
Restaurants & Gas/Charging
1%
Everything else
Select Businesses
Shopping Locally Rewards
Deseret First Credit Union has partnered with several local businesses to provide you with ways to earn 5% cashback just for shopping at these stores. Check back here often as our list is constantly growing. Remember that this cashback rate is only available to Visa Signature cardholders, so apply for one today!
DFCU strives to keep up with each businesses’ many locations to ensure you receive 5% cash back on your purchase. If you have shopped at any of the listed businesses and did not receive 5% cash back, please contact DFCU within 60 days of the transaction to have it corrected.
General Benefits
Benefits You'd Expect
Competitive Rate
The Visa Signature card has a great rate as low as 17.90%
Coverage from NGX Strategies
Coverage from NGX Strategies
DFCU has partnered with NXG Strategies to supply our active card holders with identity restoration.
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Zero Liability
Have peace of mind in knowing that you’re not at fault for any unauthorized purchases.
Contactless Cards
No more need to swipe or insert! All of our cards work wherever you can tap your card to complete a transaction. These cards can be instantly issued at any branch location.
Concierge
Concierge
Visa can help you plan your next vacation, purchase gifts on your behalf, and arrange dining and entertainment experiences.
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No Annual Fee
DFCU does not charge an annual fee on any credit card.
Free Balance Transfer
DFCU never charges balance transfer fees.
24-Hour Support
Need help? You’ll have access to 24-hour live agent card support.
Retail Benefits
Shop With Confidence
Extended Warranty
Product warranties can be inconvenient and cumbersome to use. If your gadget stops working, you can’t find the receipt, or misplaced the product’s warranty, Extended Warranty Protection can help.
Cell Phone Coverage
Cellular Telephone Protection is available to provide coverage for damage to, theft of, or involuntary and accidental parting of your cell phone.
Porch Protection
You’ve made the ultimate purchase and have received notification that your package was delivered, but when you get home the porch is empty. Because you bought the item with your Visa Signature, you’re covered with Porch Piracy Protection.
Shopping Discounts
Shopping Discounts
You have access to special offers, such as travel or dining, via Visa Offers and Perks.
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Instant Cashback
You don’t need to wait until the end of the month to claim what you’ve earned. Cashback is deposited to your Membership Savings account every day a transaction posts to your Credit Card account!
More Cashback at Select Merchants
We’ve partnered with several businesses in Utah that want you to use your card at their stores. And when you do, you’ll get 5% cashback.
Travel Protections
Stress Less While on Vacation
Auto Rental
Auto Rental
Renting a car while on vacation doesn’t have to be stressful. If an accident happens or the vehicle gets stolen, you’ll be covered with DFCU’s Auto Rental Collision Damage Waiver.
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Roadside Dispatch
Roadside Dispatch
Roadside Dispatch is a pay-per-use roadside assistance program. The program provides you with security and convenience wherever your travels take you.
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Travel Accident Coverage
Travel Accident Coverage
Have comfort in knowing that as a Visa Signature card holder, if loss of life or limb may befall you or your family, the financial burden will be one less thing to worry about.
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Lost Luggage
Lost Luggage
Have you ever waited for your luggage to come around the belt only to find that it has been lost by your airline? With Lost Luggage Reimbursement, you can be reimbursed for the difference between the value of your belongings and the airline’s payment.
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Trip Delay
Trip Delay
Having a trip delayed can mean more than just lost time; it can also create an additional cost that you weren’t expecting to pay. Trip Delay Reimbursement covers up to a maximum of $300.00 for each purchased ticket.
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Trip Cancellation
Trip Cancellation
What if you have to cancel a trip because of the death of a loved one or your airline declares bankruptcy? Fortunately, Trip Cancellation and Interruption benefits are available to help you with these unforeseen circumstances that could disrupt your travel plans.
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Hotel Theft
Hotel Theft
Having personal items stolen from your hotel room can ruin an experience and leave you with an additional financial burden. Fortunately, you can receive a one-time payment of up to $1,000 for personal property stolen from your room.
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Emergency Medical and Dental Coverage
Emergency Medical and Dental Coverage
Needing emergency medical or dental treatment during your travel is something you don’t want to have to worry about, but when it happens, it is good to know that there is help with some of your covered expenses.
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Emergency Medical Transport
Emergency Medical Transport
You can’t always plan for a serious accident or illness which occurs during your travels. To try and help ease some of this financial burden, you can receive coverage for expenses not reimbursed elsewhere while on a Covered Trip purchased with your Visa Signature card.
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Treat Yourself to Better Benefits
With daily cashback, there’s no better way to reward yourself and be confident in protections for your purchases.
Become a Member Today
Become a Member Today
LDS Members and others are welcome to join us as members.
Save More, Stress Less
Save More, Stress Less
Earn Top Rates with Our High-Yield Savings—No Fees, No Fuss.