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To help safeguard your personal and financial information, please remember to never share sensitive information (passwords, account credentials, etc.) with anyone via phone, text, or email. Del Norte Credit Union will not contact you asking for sensitive information. Please contact us directly at 877-818-3628 if you have concerns about your accounts.

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Personal > Credit Cards

Del Norte Credit Union Credit Cards

Reward yourself with DNCU Credit Cards

Competitive Rates, No Annual fees, and New Quarterly Rewards

Apply Now

Pick Your Own Rewards

We Have a Card for Any Priority You Set

  • Emerge Credit Card

    Del Norte Credit Union Emerge Visa

    • An entry level card for building credit
    • Convenient and secure worldwide ATM access with your VISA® card
    • What you see is what you get — DNCU credit cards include no hidden fees, tricks or gimmicks
    • No penalty pricing and no purchase, cash-advance, balance transfer, over-the-limit or annual fees
    • Know where your money is going – get an email whenever your card is used
    • Applying for a DNCU credit card is easy — visit a branch, apply online or call us at 877-818-DNCU
    • Rates starting at 12.49% APR2
  • Evolve Credit Card

    Del Norte Credit Union Evolve Visa

    • Earn Reward Points for travel and more!1
    • Convenient and secure worldwide ATM access with your VISA® card
    • What you see is what you get — DNCU credit cards include no hidden fees, tricks or gimmicks
    • No penalty pricing and no purchase, cash-advance, balance transfer, over-the-limit or annual fees
    • Know where your money is going – get an email whenever your card is used
    • Applying for a DNCU credit card is easy — visit a branch, apply online or call us at 877-818-DNCU
    • Rates starting at 14.49% variable APR2
  • Elevate Credit Card

    Del Norte Credit Union Elevate Visa

    • Earn 1.5% cash back with the DNCU Reward Elevate card. Convenient and secure worldwide ATM access with your VISA® card
    • What you see is what you get — DNCU credit cards include no hidden fees, tricks or gimmicks
    • No penalty pricing and no purchase, cash-advance, balance transfer, over-the-limit or annual fees
    • Know where your money is going – get an email whenever your card is used
    • Applying for a DNCU credit card is easy — visit a branch, apply online or call us at 877-818-DNCU
    • Rates starting at 16.49% APR1

Take your purchases further with new Quarterly Rewards!

  • 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.
  • Applying is easy! Apply online, visit a branch, or call 877-818-DNCU.

 

Shop these categories during these times and you’re eligible for bonus points.

  • April through June 2025

    • Home Furnishings
    • Home Improvements
    • Gardening

  • July through September 2025

    • Gas
    • Education Expenses

  • October through December 2025

    • Retail Shopping
    • Online Shopping
    • Restaurants
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2025 Summer Spend and Get

Travel and Gas:

June 15 – July 31, 2025

  • $10 rebate for $500 of qualified travel and/or gas purchases
  • $25 rebate for $1,000 or more of qualified travel and/or gas purchases

Amazon:

July 1 – July 31, 2025

  • 2% of qualified transactions (up to $25)
  • Minimum of $50 Amazon.com spend to earn rebate

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.*

Sign up for CU Rewards

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.*

Visit the CU Rewards Mall

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.

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Your New Favorite Credit Card

Reward yourself with the no-gimmicks credit card from DNCU.

Apply Now

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DNCU Personal Loans empower members to meet a variety of financial needs. Discover how easy it is to add your next financial tool with DNCU.

Learn about personal loans

Build upon your foundation

A Home Equity Loan or Line Of Credit allows you to tap into your previous success as a homeowner to achieve your next financial goal.

Get more information

Enjoy all that DNCU offers. Become a member today.

Join DNCU today
Apply online
Stop by one of our branches
Find your closest branch
Call us

(505) 455-5228 or

(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