Why Choose our Visa Credit Card?

Visa Credit Card

  • Low fixed rates for credit and cash advances
  • No Annual Fee
  • No Over Limit Fee
  • No Penalty APR if you make a late payment
  • No Penalty APR if your payment is returned
  • No Balance Transfer Fees
  • No Cash Advance Fee


Scorecard Rewards Points Program


Start earning points for using your DOTCU Visa Credit Card.  Accumulate points and redeem them for top name brand items, unbelievable vacation getaways, valuable services, and once-in-a-lifetime experiences. You can even search for discounts from local and online retailers, or to earn points faster with special offers in the SCOREMORE* program.  Click here to log-in or set up your profile.

EARN - When you use your DOTCU Visa Credit Card, for each dollar you spend, you’ll get one reward point.  It’s that simple!

REDEEM - Visit and set up your profile in a few simple steps, then check your point balance and browse the catalog!

*Program subject to change. PIN based transactions, cash advances and balance transfers are not eligible for reward points, unless noted in special promotion. Allow 5 business days for bonus points to be posted to your account.

Click here to apply online now.

Already Have Our Card?

At you can access your Visa credit card account 24/7 to:

  • Make a payment
  • View your recent and pending transactions
  • Set account Alert to notify you of important account activity, such as low balance or when a payment is due
  • View, print or save your monthly statements
  • Go Green and opt-in for E-Statements
  • check your ScoreCard Rewards Points balance and shop for deals

For assistance with your online account:

To choose your own custom PIN number for easy access to your credit line:
For questions about your account:

To report your Visa Credit Card lost or stolen:

Payment Protection - Credit Disability & Credit Life Insurance

There’s no way to predict an injury, illness or your unexpected death, but you can take steps to make sure your family is provided for if the unforeseen were to happen.  Take responsibility for your family’s financial future and ask your loan officer how you can add this affordable protection to your loan with a minimal change in your payment.

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