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Visa Young Adult

Good credit starts here.

A credit card is, in itself, not a bad thing to have. It’s what you do with it that makes it a positive or negative in your life. Delta Community’s Young Adult Visa Card* can have a very positive influence on a young adult’s financial picture. It’s not just a credit card. It’s a spending tool that helps young adults understand how to use credit wisely and rewards them for good behavior. It also gives them a head start toward redeeming points for Cash Back, Travel with no blackout dates, Gift Cards and Merchandise. So whether you’re a young adult or you have one of your own, avoid the pitfalls of high interest rates and confusing terms and conditions that some other credit cards have and check out our Young Adult Visa Card instead.


Here’s a list of some of the Young Adult Card’s features:

  •  Low competitive rate of 13.80%**
  • Credit lines up to $1,000
  • No annual fee
  • Automatic enrollment in Reward Points and 2,000 bonus points upon account approval1
  • 1,000 bonus points after your first purchase2
  • $40 On-time Payment Rebate3
  • Cell Phone Protection4
  • And much more...click here for additional card benefits

Never had a credit card? Interested in learning more about financial responsibility? Learn more through our Young Adult Credit Card Pledge.

*Visa Credit Card Agreement
**Young Adult Terms and Conditions

Who is this product right for?

Someone who is interested in a card that suits the needs of a young adult.

Compare Young Adult Cards

Company APR
Delta Community CU 13.80-13.80%
Bank of America 12.99-22.99%
Chase Bank 13.99-22.99%
Wells Fargo 11.15-21.15%


Competitor APRs as of the first day of the current month, provided by mybanktracker.com.

Who is this product right for?

Someone who is interested in a card that suits the needs of a young adult.

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Apply Now!

If you already have an account with Delta Community, applying for a loan is a simple process. To begin the loan application, simply log in to your Online Banking account and select Apply for a Loan from the Tools and Services menu.

Don't have an account?

No problem. Click here to open one now.

Once you've been approved, your new account information will be mailed within three to seven business days. Immediately register for your Online Banking account and apply for any of our loan products by selecting Apply for a Loan from the Tools and Services menu.

Who is this product right for?

Someone who is interested in a card that suits the needs of a young adult.


12,000 enrollment bonus points apply to new, first-time Delta Community CU Reward Points program enrollments only. All standard Delta Community CU Reward Points rules apply. For complete program details, click here.

21,000 bonus points applies for eligible signature-based purchases made within 30 days of card issuance. All standard Delta Community CU Reward Points rules apply. For complete program details, click here.

3For the first 24 months your Young Adult Credit Card account is open, you’ll be eligible to receive the On-Time Payment Bonus. Each time you make a purchase or cash advance using your Young Adult Credit Card in six consecutive months and make six on-time payments in a row, we'll pay you a $10 bonus. An on-time payment means paying at least the minimum payment disclosed on your account statement by the payment due date. The bonus will be paid as a credit to your next Young Adult Credit Card account statement. The maximum bonus under this program will be $40.

4Cell Phone protection coverage is subject to a $50 co-payment per claim. The maximum liability is $250.00 per claim occurrence and $500 per twelve-month period. Coverage begins the first day of the calendar month following the first payment to your wireless cell phone carrier bill using your Delta Community Young Adult Visa Credit Card.

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