Credit Cards
Low interest, no annual fees, and much more.
Choose the Reward that best suits your needs.
Convenience and Rewards
Our credit cards are so popular because it costs you little to get so much more.
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Avoid fees
No penalty pricing and no purchase, cash-advance, balance transfer, over-the-limit or annual fees.
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Transparency
What you see is what you get — DNCU credit cards include no hidden fees, tricks or gimmicks.
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Accessible
Convenient and secure worldwide ATM access with your VISA® card.
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Purchase Alerts
Know where your money is going – get an email whenever your card is used.
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Rewards
Earn CU Rewards points for travel and gift awards with the DNCU Reward eVOLVE card.*
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Low interest
Our DNCU Reward eMERGE card includes an annual percentage rate as low as 12.49% with no minimum finance charge.‡
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Cash Back
Earn 1.5% cash back with the DNCU Reward eLEVATE card.
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Easy To Apply
Applying for a DNCU credit card is easy — visit a branch, apply online or call us at 877-818-DNCU
Pick Your Own Rewards
We have a card for any priority you set.
eMerge
Best if you want...I am building credit and I may carry a balance on my credit card so I am looking for a lower rate.
eVOLVE
Best if you want...I have an established credit history which is fair to excellent. I use my credit card for purchases and I’d like to earn points to redeem for merchandise or travel.
Rates as low as 14.49% variable APR2
eLEVATE
Best if you want...I have good to great credit history and I use my credit card for daily purchases. I usually pay my balance off each month and I’d like to earn cash back.
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 today!
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