Credit Cards

Whether you’re looking for a card that earns rewards or help with rebuilding your credit, we have options for you.
Security guard in store

Opening the door to good credit, with low interest and low fees.

Our DC Credit Union Visa® credit cards are straightforward, with low fixed rates and no or low annual fees. If you’re looking to establish or repair your credit history, we suggest starting with a small credit limit. Manage your card responsibly and work towards a higher limit to establish good credit. Both of our credit cards offer great benefits:
  • Low fixed rates
  • Low or no fees
  • Same low rate for cash advances and balance transfers
  • Free ATM cash advance at any Visa PLUS network
  • Limits available from $500 to $15,000
  • Verified by Visa protection available
  • 25-day grace period
Apply online

Apply Today!

I am applying as a:

*New Member - must be a member to apply. Click “New Member” to get started.

Applying online is fast and easy.

Should you have any questions or need assistance, please reach out to us:

Phone: 877-784-5551
Representatives Available
Mon-Fri: 8am-7pm

Email: [email protected]

(Please do not include private account information in message)

We believe in first and second chances.

Which credit card is right for me?

Shared Secured Visa

Classic VISA

Platinum Visa

Best if you want

A secured card to help you build or rebuild your credit.

A basic credit card with no annual fee.

A low fee credit card that earns rewards.


Zero annual fees

Zero annual fees

$10 annual fee


Manage your account online

Counts towards CU*Perks

Earns ScoreCard Rewards

Apply online

Apply online

Apply online

ScoreCard Rewards for our Visa cardholders

For every dollar you spend with your  Visa, you earn Bonus Points that you can transform into merchandise, travel or experience rewards. ScoreCard Rewards are one way we say thank you for being a valued DC Credit Union member.


Login or create your ScoreCard Rewards account

Manage your Visa card online

It’s easy to manage your DC Credit Union Visa online. Register at eZCard to review your statements, analyze your spending in detail, and make payments. 

Go to eZCard

Verified with Visa

Visa offers comprehensive fraud protection, but you also have the option of activating Verified by Visa, an additional security layer that helps to ensure payments are made by the rightful owner of the account.

Activate Verified with Visa to safeguard your credit card against fraud.

Calculators to help you make smart credit decisions.

Get the answers you’re looking for

This post is also available in: Español (Spanish)

To transfer your existing balances from other credit cards to your DC Credit Union Visa, fill out our balance transfer form and bring it to your nearest branch. There is no fee for transferring your balance.

Please allow three weeks for us to process your balance transfer. Watch for payments to show up as credits on your other credit card statements. If the credit brings the balance to zero, you may cancel those accounts. We will not close accounts for you. Finances charges will be calculated on your average daily balance at the purchase rate stated in our Visa agreements. Call us at 202-673-3625 for more details.

This post is also available in: Español (Spanish)

If you have a credit score below 550, it can be tough to reestablish credit and improve your score. DC Credit Union offers Credit Builder Loans to members who already have a DC Credit Union checking account, a source of income, and who have successfully borrowed from us before. This may include one of our Shared Secured Visas, with limits starting at $500. We won’t deny you because of your credit score.

Looking to rebuild your credit?

Check out our “Rebuild Your Credit” guide for helpful tips about the steps you can take to establish or repair your credit history, and how DC Credit Union can help.

Visit the guide
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Ready to apply for a DC Credit Union Visa credit card?

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