Essential Credit Card

This credit card's lower rates earns high marks

Variable rate as low as

12.50% - 17.99%



0% introductory APR* on balance transfers

No annual fee

Save money with our lowest rate and no annual fee.

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

When it's all about the interest rate, it's all about our Essential Visa® Credit Card. This card holds finance charges in check with a low monthly rate, which benefits you in a couple of ways. You don't pay as much if you carry a balance each month. Even better, you save significant money if you transfer your higher-interest credit card debt to this card within 90 days and pay it off within 12 months.*

Beyond the money-saving potential of this card, you get the essentials you need from a reliable Visa® card. 

  • Connect your card to your preferred mobile wallet (Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay) for quicker, more secure purchases
  • Set up Automated Fraud Alerts Text Messages so you immediately know when certain activity is flagged as suspicious
  • Shop with peace of mind knowing Zero Liability Fraud Protection won't hold you responsible for unauthorized charges
  • Includes Auto Rental Collision Damage Waiver, Travel and Emergency Assistance Services, Travel Accident Insurance and Baggage Delay Insurance
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Apply for a credit card online, give us a call, text us at 860-563-2617, schedule an appointment, or visit one of our Wethersfield, Newington, Berlin, Bloomfield, Niantic, or Middletown, CT locations to learn more.

* Click here for our Visa disclosure.

*This page contains link(s) to a third party site. We are not responsible for any content or information posted to this external web site. Dutch Point Credit Union is not responsible for, nor do we represent you or the External web site if you enter into any agreements. Privacy and Security policies may differ between our web site and this external site.