Essential Card

Get the most out of your finances with our Essential Card and enjoy a low credit card interest rate and added highlights.


Save money with our lowest rate and no annual fee.

Essential Image

Variable rate as low at 7.25% APR*

0% introductory APR* on balance transfers

No annual fee 

Features & Benefits

Having a Dutch Point Credit Union Essential Card can result in big savings on both new purchases as well as existing balance transfers. If you carry a balance from month to month, a lower credit card rate leads to lower finance charges and the opportunity to pay off your balance faster. Plus, you'll save even more money thanks to no annual fees. That all adds up to less money spent on interest and charges, and more to spend - or save - how you want. 

Do you have other credit cards with higher interest rates? If so, it's easy to transfer balances to your Essential Card and save. When you open a new Visa Essential Card, you'll pay 0% APR* for 12 months on all balance transfers completed in the first 90 days!

Get a lower interest rate and greater control of your finances with our Essential Low-Rate Visa Card.

Other Essential Card features include:

  • Auto Rental Collision Damage Waiver
  • Travel and Emergency Assistance Services
  • Travel Accident Insurance
  • Baggage Delay Insurance
  • Zero Liability Fraud Protection
  • Automated Fraud Alerts Text Messages - our new, automated system can identify threats faster, notify you sooner and equip you with the tools you need to take immediate action against suspected fraud.
  • Set up mobile wallets with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay 

Apply for a credit card online, give us a call or text us at 860-563-2617, or visit one of our Wethersfield, Newington, Berlin, Bloomfield, West Hartford, Niantic, or Middletown, CT locations to learn more.

At Dutch Point, it's all about you. We empower you to make financial decisions that are right for you. We pledge to help you meet and exceed your financial goals through all the stages of your life.