VISA Credit Cards


Platinum credit cards with benefits

Fixed-rate Credit Cards

At Deseret First, we are proud to offer our members the freedom to choose. That includes the type of credit card you use. We currently offer 2 options, VISA Platinum and VISA Platinum Rewards. Both options are perfect for making everyday purchases! Utilize our fixed-rate cards in the current rising interest rate environment and experience the DFCU difference. You can even transfer a balance from a high interest credit card to a DFCU card.

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Credit Card Interest Rates
Card TypeAPR
Visa PlatinumAs low as 8.9%
Visa Platinum RewardsAs low as 10.9%

The annual percentage rates (APRs) listed here represent our best available rates. Your individual rate may be higher depending upon your creditworthiness. Membership and eligibility required. Offer subject to change. Additional products and rates are listed here.

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VISA Platinum

  • one of the lowest rates in the industry
  • fixed-rate for as long as you have the card
  • perfect choice for bringing over an old balance
  • save money on interest
  • 24/7 card support and help
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VISA Platinum Rewards

The DFCU rewards card is everything from the Platinum Card and then some! In fact, we recently revamped our rewards program to be even better. Including:

  • $1 spent = 1 point
  • 24/7 card support and help
  • hundreds of rewards options available
  • you can even donate your points to the Deseret First Charitable Foundation
  • bonus points at select local and national merchants through ShopSPOT

Both card options include these benefits:


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No annual fees

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No balance transfer fee

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Free 24-hour fraud protection

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Access to 25 million merchants worldwide

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Courtesy auto rental insurance*

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30-day grace period**


*For complete details on the auto rental insurance policy, contact VISA at 800-847-2911. **30-day grace period applies only to purchases. No grace period applies to cash advances.

See how other DFCU Members have used their reward points!


Card Requirements


To receive a credit card with DFCU, you must:

Cards include a 1% foreign transaction fee. Cash advance fee 1.5% of transaction may apply. View the full VISA Credit Card Agreements for Platinum or Platinum Rewards.

Apply online today! For questions or to apply directly with a representative, call 801-456-7590 or 800-326-3328. Available weekdays: 8am–7pm, Sat: 9am–2pm. Additionally, you may visit any Deseret First Branch.

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Lost or stolen card?

If you ever lose your VISA card, we are ready to assist you 24/7. Call us toll free at 800-326-3328. When you get to the automated menu, select the number that leads you to talk to a card specialist. You can also use the number above to request a new card and we will send you a replacement free of charge. Additionally, if you need a new card quicker, stop by a branch! They can instantly issue a replacement for you.

If for some reason, you’re unable to call us, you can also use the CardHub app. With this mobile app, available on both Apple and Android, you can turn individual cards off and on as needed.

CardHub Details

Treat yourself any way you like it!

Receive bounteous bonuses today. Whether that means cash, a new TV, or a family getaway is up to you.

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