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Delta Community Credit UnionChecked Oct 4, 2026

Visa Platinum Rewards

10,000 Reward Points after you spend $2,500 in 3 months. No annual fee.

Welcome offer
Annual fee
Purchase APR
Foreign transaction fee
Read the card agreementRates and fees

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What it's worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
SpendingFirst yearAfter
Light spender$100$0
Typical spender$100$0
Heavy spender$100$0
The spending each assumes, a month
  • Light spender: groceries $300, dining $100, gas $100, everything else $500
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500

Assumed: points valued at an assumed 1¢.

Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards

How it compares

  • Lower top APR than about 95% of the 128 cards on our Sign-up bonuses list (see the list).
  • No annual fee, like about 85% of the 626 cards we track.

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

Welcome offer

10,000 Points

After you spend $2,500 on purchases in your first 3 months.

The 10,000 Reward Points will be awarded for a net total of $2,500 in signature-based purchase transactions without the use of a PIN, minus return transactions. Purchases must post within 90 days of account opening. Balance transfers, money transfers, and cash advances do not count. The account must be in good standing and not in default.

Spending it takes$833 a monthfor 3 months
Tracking sinceOct 4, 2026history will chart every change

Rates and fees

Annual fee
Purchase APRvariable
Cash advance APR
Cash advance fee
Late payment
Foreign transactions
Grace period

Carrying a balance? See how long it takes to pay off

Benefits

  • 1.5% Cash Rebate for balances transferred within the first 90 days of account opening. The minimum balance transfer amount is $500; transfers from loans or credit cards held at Delta Community do not qualify. The rebate is credited to the Primary Savings Account after the transferred balance has revolved for two consecutive billing cycles.
  • No annual fee.
  • Contactless technology and tap-to-pay.
  • Automatic enrollment in the Reward Points Program.
  • Credit line up to $50,000.
  • Mobile Payments.
  • Card Management tools for alerts, locking and unlocking cards, travel notifications, and reporting or replacing lost, stolen, or damaged cards.
  • Rewards may be available for Cash Back, Gift Cards, Dining, Travel, and Shopping.

Questions

What is the annual fee?
None Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
Does it charge a foreign transaction fee?
Yes: 1%. Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
What is the purchase APR?
13.25–17.25% APR Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
Is there a welcome bonus?
10,000 Reward Points after $2,500 in purchases in 3 months. deltacommunitycu.com, since Oct 2, 2026

Other cards without rewards with no annual fee

Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).