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Just for you

Low-rate credit cards are valuable tools to meet your everyday needs and put more money back in your pocket.

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Credit Card

FAQs

Rewards

Rates

At Democracy FCU, we have the best card options to fit your budget and lifestyle!

Those in our local D.C., Maryland or northern Virginia community can choose from the best low-interest credit card options with specialty features, perks and rewards. Whether you’re a credit connoisseur or starting out on your credit journey, members who apply for a card with us can enjoy a low-interest credit card rate that meets your unique needs.

Visa® Rewards
Get rewarded when you shop with the best rewards credit card! Every dollar you spend earns you one reward point. Redeem for cash, gift cards or even to put toward your Democracy FCU Visa® bill.

Visa® Classic
A fixed-rate credit card with a steady rate and no surprises!

Secured Visa®
Build credit history or re-establish credit with our Secured Visa®. It’s secured by funds in your Democracy FCU Share Savings Account, so the application process is streamlined.

Apply for a Credit Card

Check Application Status

Transfer balances from a credit card from other financial institutions and retailers to Democracy FCU.

We offer a low variable rate, and all our cards are a balance transfer credit card.

No balance transfer fee
Consolidate credit card bills to one payment, up to available credit limit
Democracy Federal Credit Union pays off other credit cards
Visa® Rewards Balance Transfer Form
Visa® Gold, Classic and Secured Balance Transfer Form

All credit cards are eligible for balance transfers.

Report a lost or stolen credit or debit card

Call 800-449-7728
Verified by VISA®

Protect your VISA® credit and debit cards when you shop online with Verified by VISA®
Over the limit coverage

If you want us to authorize transaction that will go over your credit limit, download the Over the Limit Fee Opt in Form and either mail to the address on the form or fax it to Card Services at 571-527-2343
Disclosures
- Visa® Credit Card Disclosure
- Consumer Credit Card Agreement

VISA® Rewards FAQs

How do I redeem my points?

Redeem points
When do my points expire and will I be notified prior to that date?

Points expire in 5 calendar years, and notification will be listed on your monthly statement
Is the VISA Rewards Credit Card a variable rate?

Yes, and the rate will change when the Prime Rate changes
How will I know that my deposit has been made to my account?

The credit to your account will have the following comment: CO: Award HQ Type P2C
Once I make a request, how long does it take to receive the money, payment or Gift Card?

7 to 10 business days (Generally no later than 3 business days)
How many points do I have to accumulate before I can redeem my points for cash, make a payment to the Democracy FCU VISA Rewards Card, or purchase a Gift Card?

A minimum of 5,000 points is required to redeem points
How many points do I earn?

You earn 1 point for every dollar spent
What are the VISA Rewards Limits?

$500.00 - $30,000.00 maximum

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