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Avoid the
high rates.

Avoid the
high rates.


Whether you're looking for a lower credit card rate or are looking to start earning rewards points with every purchase, we've got options to fit your lifestyle needs!

Current Introductory Offers:

  • 0% Intro APR for the first 6 months and 1,000 bonus points on first purchase!
  • 0% Intro APR for 6 months on first Balance Transfer of $500 or more!

DFCU Credit Cardholder Perks:

  • Earn 1 point for every $1 spent
  • Fixed rates starting at APR*
  • No annual or cash advance fees
  • Limits up to $25,000
  • MyCardInfo - View your transactions, make payments and redeem rewards (All users must click Enroll for first time use. Your previous EzCardInfo credentials will not work for logging into MyCardInfo.)
Life is sweeter with rewards! You choose how to redeem them:
  • Merchandise
  • Travel (air, hotel, car rental and cruises)
  • Event Tickets
  • Activities / Experiences
  • Gift Cards
  • Donate to Charity
  • Cash towards Statement Credits
  • Cash deposited into your Checking/Saving Account

Ready to apply below? Get your 2 most recent paystubs and identification ready!

Apply Now
Rewards Credit Card Rates
FICO Annual Percentage Rate
720+ APR*
680-719 APR*
640-679 APR*
600-639 APR*

*APR=Annual Percentage Rate. Purchases made on a new DFCU VISA Platinum or Classic Credit Card will receive the promotional APR of 0% for the balance of each transaction for six (6) billing cycles. Effective after the six billing cycles, any balance remaining from any transaction made during those six cycles on all credit cards will default to their standard rate. See www.downeyfcu.org for DFCU's standards Visa rates. Credit card rate is determined by creditworthiness, FICO/credit score and other factors. The promotional APR of 0% excludes cash advances and balance transfers. Rates may change at any time without notice. The actual rate and approval of a DFCU Visa is determined by creditworthiness, FICO/credit score and other factors. Please speak to a DFCU Loan Representative for complete promotional details, qualifying criteria, disclosures and other rates and terms. DFCU standard lending rules and regulations apply. ^Source aggregated from CNBC.com and Nerdwallet.com.

  • $1,000 minimum / $25,000 maximum credit line
  • 25-day grace period on all purchases (before interest begins to accrue)
  • Accepted worldwide, anywhere the VISA logo is displayed
  • Minimum payment due each month is 2.5% of balance, with a $20 minimum
  • Free Convenience Checks
  • ATM access for cash advances, wherever the VISA logo is displayed
  • DFCU Rewards Terms and Conditions
  • $20 fee for late payments
  • $15 fee for returned payments
  • No charge for over-limit transactions
  • No annual fee or cash advance fee
  • Foreign Transaction Fees
    • Transactions made in foreign currency: 1% of each transaction in US Dollars
    • Foreign transactions billed in US dollars: 1% of each transaction in US Dollars
  • Apply online via Online Banking
  • Over the phone at 562.862.8141
  • In branch