Flexible Rewards Options

  • Every dollar spent earns a reward point
  • Hundreds of rewards options, including cash back, gift cards, and travel
  • Frequent 2X and 3X rewards points promotions

No Annual Fee

  • Free balance transfers
  • 30 day grace period
  • Complimentary auto rental insurance. For complete details call VISA at 1-800-847-2911
  • Accepted at over 25 million merchants worldwide

Always Protected

  • Free 24-hour fraud protection
  • Free ID Theft Protection with monthly card usage


  • Membership and eligibility
  • Credit approval
Apply Now
For questions or to apply, call 801-456-7000 or 1-800-326-3328, M-F, 9 am-7pm, Sat. 9-2pm, or visit a Deseret First Branch
*OAC.  Membership and eligibility required. See branch for details. Rates quoted as Annual Percentage Rate. Foreign transaction fee 1% of purchase. Cash advance fee 1.5% of purchase may apply. View the full VISA Credit Card Agreement.

Go ahead and make plans

IRAs from Deseret First can help you prepare for retirement. So go ahead and make plans.
Learn More

Free insurance for members

As a member, you are eligible to receive free Accidental Death and Dismemberment coverage.
Learn More