Reward yourself with DNCU Credit Cards
Competitive Rates, No Annual fees, and New Quarterly Rewards
Pick Your Own Rewards
We have a card for any goal you set.
Elevate VISA®
Best if you want...1.5% cash back on everyday purchases
Evolve VISA®
Best if you want...Rewards for travel and merchandise
Emerge VISA®
Best if you want...A fresh start to build or rebuild credit
All DNCU Credit Cards Include:
- No annual, penalty pricing, cash-advance, or balance transfer fees.
- Accessibility, convenience, and secure worldwide ATM access.
- Purchase Alerts, alerting you anytime a purchase occurs.
- Easy application process! Apply online, visit a branch, or call 877-818-DNCU.
Shop these categories during these times and you’re eligible for bonus points.
-
July through September 2025
- Gas
- Education Expenses
-
October through December 2025
- Retail Shopping
- Online Shopping
- Restaurants
2025 Spend and Get
Back to School:
August 1 – September 30, 2025
- $10 rebate for $500 of qualified Back-to-School purchases
- $25 rebate for $1,000 or more of qualified Back-to-School purchases
CU Rewards
The DNCU Reward Evolve card gives back with every purchase.
CU Rewards
Every time you use your DNCU Reward Evolve card, you earn points that can go towards CU Rewards. Each purchase automatically qualifies for points with no special extra steps required. This exciting rewards program offers plenty of choices for redeeming your rewards points.*
CU Rewards Mall
CU Rewards Mall is a bonus for the regular rewards program. Whenever you shop at stores that are participating in the program, you earn Mall points on top of the normal rewards points. Mall points can go towards special offers or even discounts at participating retailers.*
Balance Transfers
Transfer your credit card balance to a DNCU Reward Visa Card and start saving!
Call (505) 455-5228 or (877) 818-3628 toll-free.
How much will my credit card payoff payment be?
Disclosures
APR = Annual Percentage Rate. Minimum monthly payment for our credit cards is 3% of the balance.
The calculator is hypothetical based on a 13-month term and may not reflect your actual required monthly payment. The calculator is for informational purposes only and not an offer for credit.
Enjoy all that DNCU offers. Become a member today.
(877) 818-3628 toll-free.
Disclosures
‡To view applicable terms and disclosures for rate advertised, visit Rates & Fees.
1DNCU Rewards Subject to change
2Variable Annual Percentage Rate
*Member must sign up to use rewards. Contact a service representative for details or for help signing up.
How to avoid paying interest on purchases: Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date of each month.
How We Will Calculate Your Balance: We use a method called “average daily balance” (including new purchases).
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore