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 / Credit Cards / Credit Cards / Additional Card Benefits
Additional Card Benefits

A credit card with more benefits.

With low rates, no annual fees and great rewards, there’s no reason to use any other card. Plus, our Visa® Credit Card includes several other awesome benefits as well.  
Visa’s Zero Liability 
Visa's Zero Liability policy guarantees that you won't be held responsible for fraudulent charges if your card account information is compromised. Always review your account activity, and if you notice any suspicious activity on your card, contact us at 1-800-544-3328 to report it. 

Verified by Visa

You should never have to worry about security when you're shopping. That's why Delta Community offers all of our Delta Community Visa Check and Credit cardholders a service called Verified by Visa. This service enables online merchants to confirm a cardholder's indentity before an online transaction is approved. This added step prevents unauthorized users from using your card online to perform fraudulent transactions. We want your transactions to be safe, so we recommend enrolling your Delta Community cards in Verified by Visa today. Click here for more information.

Auto Rental Collision Damage Waiver

Eliminate the need to pay for the collision damage waiver or similar provision provided by commercial auto rental companies on most passenger vehicles and save as much as $13 a day in insurance costs when renting a vehicle using your Delta Community Visa Credit Card to pay for your rental. This supplemental insurance becomes effective after your primary coverage for the repair or replacement of a damaged rental vehicle due to collision, theft, or other physical damages, up to the actual cash value of most rental cars. You’re automatically protected when you decline the collision coverage at the time of rental. For more information, click here for details about this secondary coverage and for instructions on how to report a claim.
Purchase Security
When you use your Delta Community Visa Credit Card, Purchase Security gives you confidence that your purchase is protected.  And whether you are buying something for yourself or buying a gift for someone else, Purchase Security can replace, repair or reimburse you up to $500.  This coverage also extends to theft and certain types of damage.To learn more about this great benefit, click here.
Warranty Manager

If you have ever wanted to protect or manage the warranty of a product you have purchased with your Delta Community Visa Credit Card, we offer the Visa Warranty Manager Service.  You can register your current contract warranty, get important product coverage information and even extend the original manufacturer’s warranty in some instances through Extended Warranty Protection.  To file a claim, you can call toll free at 1-800-551-8472. You can click here for additional information.
Roadside Dispatch
Enjoy the peace of mind offered by a 24/7 on-demand referral dispatch network that provides emergency pay-per-use roadside assistance such as battery boosts, tire changing, fuel delivery towing, and locksmith services. There are no annual dues or limits on usage. Each service call is $59.95. Call 1-800-VISA-TOW for further details.

Lost or Stolen Card Reporting

You can report your card lost or stolen with one call to Visa, and your account will be immediately blocked to prevent fraudulent charges. You can report a lost or stolen card by:

Contacting Delta Community at 1-800-544-3328.
Contacting Visa from anywhere in the world at 1-800-Visa-911.
If traveling overseas, call collect by dialing 410-581-9994.

Emergency Card Replacement/Emergency Cash Disbursement (ECR/ECD)
This efficient, 24x7x365 worldwide service allows you to quickly and easily get a replacement Visa card sent to you and/or receive emergency cash at a convenient location. In the U.S., your Delta Community CU Visa Credit Card can be replaced within 24 hours. Outside the U.S. it is often replaced within one business day. Cardholders can receive up to $5,000 in emergency cash within 24 hours that can be picked up at an Emergency Service Location. For additional help on this, call 1-800-VISA-911.
International Travel
Traveling overseas? Give us a call ahead of time so we can ensure that your travel experience is a good one. Contact us at 1-800-544-3328.

If you are traveling internationally and receive a call from Visa Fraud Prevention Services and are unable to reach them at 1-866-273-9888, click here for a list of Visa international toll-free numbers. When you contact the Visa Call Center, you will need to notify them you were contacted by Visa Fraud Prevention Services regarding suspected fraudulent activity.
Travel and Emergency Assistance Services (TEAS)
We can help you coordinate medical, legal and travel services when you’re away from home. (The cost of any goods purchased is your responsibility.)

1% Foreign Currency Transaction Fee
A Foreign Transaction Fee – also known as an ISA fee – of 1% is assessed for all foreign transactions, including ATM withdrawals in foreign countries. (For each ATM withdrawal in which a credit card is used, there is a $3 cash advance fee.) Many institutions “upcharge” the 1% fee, but Delta Community CU simply passes the fee to the cardholder. Using your Delta Community CU Visa Credit and Check or ATM card for overseas transactions still offers you the best value for your money. If you exchange Currency with Travelex ®, a currency exchange company, you would be charged a flat $5.50 fee for any amount up to $550***. Plus if your card is ever lost or stolen while traveling, you are protected by Visa's $0 Liability policy against fraudulent use. Click here for more details. 

*Travelex currency conversion transactions equaling more than US$550 are charged a 1% currency conversion rate.
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