| Category | Rate | Type | Cap |
|---|---|---|---|
|
All Purchases
Earn 1 point for each dollar spent on all eligible purchases; points are redeemable for cash back, travel, gift cards, and merchandise.
|
1x | Points | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
No Annual Fee
The DCU Visa® Signature Cash Rewards Credit Card carries no annual fee for cardholders.
|
Financial |
$0
Up to $0
|
|
No Balance Transfer Fee
Balance transfers to the card are processed with no transfer fee.
|
Financial |
$0
Up to $0
|
|
No Cash Advance Fee
Cash advances are processed with no cash advance fee.
|
Financial |
$0
Up to $0
|
|
No Foreign Transaction Fee
No foreign currency transaction fees are charged on purchases made outside the United States.
|
Financial |
$0
Up to $0
|
|
Universal Studios Exclusive Discounts
Use the DCU Visa Signature® Cash Rewards card at Universal Studios Hollywood or Universal Orlando for exclusive discounts on dining and merchandise.
|
Lifestyle | Exclusive discounts |
|
Dovly Uplift™ Credit Engine
Cardholders have access to Dovly Uplift™, a smart credit engine that identifies and works to remove inaccuracies from credit reports to help improve credit scores.
|
Other | Complimentary |
|
Monthly FICO® Score
Cardholders receive free access to their FICO® credit score based on Equifax data each month, along with two key reasons explaining the score.
|
Other | Complimentary |
|
1 Point Per Dollar on All Purchases
Earn 1 point for every dollar spent on eligible purchases, redeemable for cash back, travel, gift cards, and more than 1,500 merchandise items including top brands.
|
Rewards | 1 point per dollar |
|
Cash Back Redemption
Redeem accumulated points for cash back deposited directly into your DCU account.
|
Rewards | Complimentary |
|
Gift Card Redemption
Redeem accumulated points for gift cards from a wide selection of popular retailers and brands.
|
Rewards | Complimentary |
|
Merchandise Redemption
Redeem points for more than 1,500 merchandise items including top brands through the DCU rewards catalog at dreampoints.com/dcurewards.
|
Rewards | Complimentary |
|
Travel Redemption
Redeem points for travel purchases through the DCU rewards portal.
|
Rewards | Complimentary |
|
Card Freeze / Unfreeze
Cardholders can instantly freeze or unfreeze their credit card through DCU's digital banking app or online banking if the card is lost, misplaced, or suspected compromised.
|
Security | Complimentary |
|
Fraud Notifications
Cardholders receive real-time fraud alerts and notifications to help identify and respond quickly to suspicious account activity.
|
Security | Complimentary |
|
Mobile Wallet Compatibility
The card can be added to mobile wallets including Apple Pay, Google Pay, and Samsung Pay; personal card information is encrypted to protect against retailer data breaches.
|
Shopping | Complimentary |
|
Tap-to-Pay Contactless Payments
The card supports tap-to-pay contactless technology for fast and secure payments at NFC-enabled terminals.
|
Shopping | Complimentary |
|
Visa Roadside Dispatch®
A pay-per-use roadside assistance program offering services such as towing and locksmith assistance at pre-negotiated rates, available 24/7; the cardholder pays for services used, not a subscription fee.
|
Travel | Pay-per-use, 24/7 access |
