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young adult credit card

Visa® Young Adult Credit Card

Credit Solutions for First Time Credit Card Users and Students

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 Visa Young Adult Credit Card can have a very positive influence on a young adult’s financial picture.

Build Credit, Earn Rewards

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, Gift Cards, Merchandise and Travel with no blackout dates. Avoid the pitfalls of high interest rates and confusing terms and conditions that some other credit cards have and check out our Young Adult Credit Card instead.

Young Adult Credit Card Benefits & Features:

Who is this product right for?

A young adult, student or person looking for a first credit card or to build credit.

Compare Young Adult Cards

Company APR
Delta Community CU 13.80-13.80%
Bank of America 13.24-23.24%
Chase Bank 14.24-23.24%
Wells Fargo 11.40-21.40%

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

Who is this product right for?

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

Related Articles

  • Courtesy Pay Plus FAQs for your Visa Debit Card or ATM Card
  • Q. Why would I need Courtesy Pay or Courtesy Pay Plus?
    A. Due to the revisions in Regulation E, financial institutions cannot allow a checking account to go into the negative from ATM card POS and check/debit card purchases and apply an overdrawn fee.
    As a rule, ATM and Check/debit card transactions that would create a negative balance are not approved by the Delta Community CU. Because some members would like to be able to have their purchase approved regardless of their current balance and would agree to accept a fee, Delta Community CU has enhanced the Courtesy Pay service to provide members with the ability to opt-in and allow ATM card POS and Debit Card purchases to be included.

    Overdraft service options:
    • Overdraft Protection allows you to link a qualified account such as a Savings, Visa , Money Market or Line of Credit to your Checking account. If your Checking account ever has an insufficient funds balance when a transaction such as a check, electronic payment or purchase is presented, the money will be automatically transferred from one of the accounts you designate.
    • The Courtesy Pay service provides coverage on your checking account, up to a limit of $500 aggregate should a personal check, online bill pay paper check or recurring ACH debit be presented when funds are not in your available balance. ACH transactions are electronic financial transactions made using your checking account number, such as an automatic withdrawal for car insurance, gym membership or mortgage.
    • Click here for more details on Courtesy Pay or Overdraft Protection
    • You can now enroll in Courtesy Pay Plus, a new account protection service designed to cover ATM Card and Visa Debit Card purchases should there ever be an instance when there are not enough funds available in your account. This service by law requires members to give their consent allowing the credit union to cover purchases made with an ATM Card or Visa Debit Card and charge a fee. See more details below.

    To set up your account, simply contact us at 1-800-544-3328 or visit any of our branch locations.

    Q. How does Overdraft Protection cover my Checking account?
    A. You can set up Overdraft Protection using a Savings account, Money Market account, Visa or Line of Credit. More than one account can be used to cover your transactions. The system will use the account(s) you have authorized, in the sequential order you requested, as long as you have available funds or credit. A $2 transfer fee will be assessed for any transfer of funds from a loan product. For instructions to set up Overdraft Protection, click here.

    Q. Is there a fee to have or use Overdraft Protection for my Checking account?

    A. Funds transferred for Overdraft Protection that are pulled from a Savings, Money Market or other share account will not be accessed a fee. However, for any overdraft transfers that pull funds from a Visa or other loan products, a fee of $2 per overdraft transfer will apply. And, if a line of credit is utilized, you may also incur finance charges.

    If none of your authorized overdraft protection sources have available funds or credit, we may pay items presented using Courtesy Pay or Courtesy Pay Plus, if there are funds available or in the case of Courtesy Pay Plus, you have opted in.

    Q. Is Courtesy Pay or Courtesy Pay Plus a loan?

    A. No, it s a service provided by the Credit Union to provide you with the convenience of knowing your purchases will be approved if there are insufficient funds in you accounts.

    Q. Why should I opt-in to Courtesy Pay Plus for ATM card and Debit Card purchases?
    A. By opting in to Courtesy Pay Plus, you add an extra layer of overdraft protection coverage which will cover ATM card and Debit Card purchases. Fees are only applied if you use the overdraft protection so, since there is no fee to opt-in and no fee if you do not use the service, you have nothing to lose.

    Q. Are cash withdrawals using my ATM Card covered?
    A. No. If you do not have sufficient funds in your Checking account to cover an ATM withdrawal, the transaction will be declined.

    Q. What happens if I choose not to opt-in to Courtesy Pay Plus?
    A. Your cardholder experience will remain the same as it is today. The credit union will not authorize and pay overdrafts for ATM card or Debit Card purchases, unless you ask us to by opting in electronically to Courtesy Pay Plus via the Delta Community website or verbally by telephone at 1-800-544-5438.

    Q. Is there a fee for Courtesy Pay and Courtesy Pay Plus?

    A. There is no charge for opting in, but if there are insufficient funds in the account and Courtesy Pay or Courtesy Pay Plus is used, then there is a per item fee each time an item is paid. The fees for both Courtesy Pay and Courtesy Pay Plus include:

    1st item - $25
    nd and 3rd items - $30
    th or more item(s) - $35

    There is no limit on the total fees that can be charged when you overdraw your account.
    Q. What are the eligibility requirements for Courtesy Pay Plus?

    A. Requirements for Courtesy Pay Plus are the same as Courtesy Pay, and include but are not limited to the following guidelines:

    • Member in good standing with a Checking account opened for 60 days or more
    • Account is not more than 30 days delinquent or in default on loans or other obligations to us
    • No legal or administrative orders or levies against your Checking account
    • Courtesy Pay is required for Courtesy Pay Plus
    • An ATM card or Debit Card issued your checking account

    Q. What is the maximum amount available for overdrafts for Courtesy Pay and Courtesy Pay Plus?

    A. Courtesy Pay and Courtesy Pay Plus have a combined limit of $500 which includes the aggregate amount of the overdrawn item(s) and the Courtesy Pay fee(s). A fee will be assessed for each item paid by Courtesy Pay.

    Q. If my account is overdrawn, how long do I have to bring my account into a positive balance?
    A. Repayment of the overdraft amount is expected within 30 days. If you have additional overdraft items during this time, the account must be brought to a positive balance on or before the 30th day from the date of the initial overdraft item. Deposits received by Delta Community CU during the 30 days will be applied first to your overdrawn checking balance.

    Q. What if I exceed my Courtesy Pay or Courtesy Pay Plus limit?
    A. Checks, ACH items, or ATM Card and Debit Card purchases that exceed your account protection coverage beyond the $500 limit may be returned or declined when presented for payment.

    Q. What if I never plan to use Courtesy Pay Plus?
    A. You can still opt-in to Courtesy Pay Plus. There s no charge to opt-in, and you ll have an extra layer of overdraft protection for ATM card or Debit Card transactions. Remember you will only incur fees if you use the service.

    Q. If I opt-in to Courtesy Pay Plus for ATM Card and Debit Card purchases, will my items always be paid?

    A. We pay overdrafts at our discretion. This means we do not guarantee we will always authorize and pay any type of transaction when there is not enough money available in your checking or designated overdraft protection accounts to cover the item. For example, we may not pay overdrafts when you are in default on a loan with Delta Community or your account is otherwise not in good standing.

    Q. Does the credit union offer other ways to protect overdrawing a Checking account?
    A. Yes. When you open a Delta Community Checking Account, it is set up to automatically transfer funds from your Savings Account to your Checking Account should there be insufficient funds in your account. If you have a Money Market, Additional Savings Account or line of credit such as a credit card, you can have those set up as overdraft protection as well. (Home Equity Line of Credit loans cannot be used for overdraft protection.) There is no transaction fee for these types of overdraft transfers; however, if a line of credit is utilized, you may incur finance charges. Please refer to your card terms and conditions for further details.

    Q. How can I opt-in to Courtesy Pay Plus?
    A. Simply log in to Online Banking and select Courtesy Pay Plus under Additional Services. You can also stop by any Delta Community Credit Union branch or contact us at 1-800-544-3328.

    Q. Can I opt -out of Courtesy Pay and only have Courtesy Pay Plus? A. Courtesy Pay is required in order to have Courtesy Pay Plus. There is no fee to have Courtesy Pay if it s never used.

  • FAQs about Visa Debit Card Holds
  • What is the difference between a pending transaction and a posted transaction? How does this affect my available balance and actual balance?
    Pending transactions or Holds are authorized transactions that place a hold on a portion of your balance for the purchase amount until the transaction clears your account.

    Posted transactions are purchases that have cleared on your card and funds have been removed to pay the merchant.

    pending transactions or holds are present there will be a difference in your available balance and your actual balance. Transactions will post against your available balance.

    Some pending transactions amounts will not match the amount you have actually spent. This is because merchants place a pre-authorization amount on your card to ensure the account is active and that you have enough money to cover the purchase. This amount is determined by the merchant.
    In some cases, such as restaurants, you are charged a percentage higher (typically 15%) than the amount of the transaction in case you add a tip to your card. In some cases, such as gas stations, hotels or car rental companies, the hold may be significantly higher than the actual purchase price.

    How long do Visa Debit Card holds stay on an account? Once the hold is released and the actual receipt does not come through, can the transaction be put through by the merchant at a later date?
    When you use your Visa Debit Card, the money is often put on hold for 2-5 days. Once the hold expires it will be reflected in your available balance.

    If the merchant does not put the debit through, then the hold will be released on the date of expiration. The merchant does have the right to come back at any later date to debit your account for that amount, even 6 months later if they have not debited your account for that purchase yet. Once you've given your authorization for the one time debit, they can take that amount from your account at any time.

    My account is showing an overdrawn fee and a check that did not clear due to the overdraft. However, my account is showing a sufficient balance to cover this check when it tried to post. What happened and why was I charged a fee?
    When you use your Visa Debit Card for purchases, holds are placed on your account by the merchant. The transaction may not post for a few days. When holds are present then your actual balance and your available balance will not be the same. If there are not available funds to complete a transaction, the transaction will either be declined or a check will be returned. If you are enrolled in Courtesy Pay or Courtesy Pay Plus, the transaction may clear, but you will be assessed a Courtesy Pay fee.

    A good rule of thumb is to write down every Visa Debit Card purchase in your register just as you would a check and only use up to the balance in your register, regardless what the actual balance on your account is. Especially if you use your card at the types of merchants who may put a hold in excess of the purchase price, we recommend you keep a cushion in your account to avoid transactions being declined or Courtesy Pay or NSF fees being assessed against your account. The Credit Union has no control over the holds placed by a merchant when you swipe your debit card.

    You may want to consider whether you would prefer to have transactions in this scenerio be declined or be approved with a fee assessed to your account. Our staff can assist you in adjusting your overdraft options accordingly.

    If you feel a hold was placed on your account in error by a merchant, you should contact the merchant to release the hold or request that the merchant fax a letter to us at 404-677-4699, attn: Card Services, explaining the hold was in error and a representative will look at refunding the fees that resulted from the erroneous hold.

    There is a duplicate hold on a single purchase that I made. Why is it being put through twice? I called the store and they've said that they only charged me once. Can you explain?
    The merchant may have run your card through multiple times or if we had a network problem we would see this situation. You can contact the Credit Union within Online Banking from Secure Email under Additional Services or by calling to release the multiple holds. Please watch your account to make sure that the merchant did not bill you twice.

    If you are billed twice, you will need to complete a dispute/chargeback form and submit it to Card Services to process for you. To expedite the process, you may fax your dispute to us at (404) 677-4824 or (404) 677-4699.
    If you are double charged, please provide us with the details of your dispute: the amount, posted date, merchant description as it appears on your account activity or statement and the reason for the dispute. Be sure to include copies of receipts or other related documents that will support your claim. If the charge represents a transaction in which you participated, please include the details of your attempt to resolve the issue with the merchant.

  • Foreign Transaction Fees - Using Visa Credit/Check or ATM Card in another country
  • Does Delta Community CU add charges when using my Visa or ATM card in another country?
    A Foreign Transaction Fee (also know as an ISA fee) of 1% is assessed for all foreign transactions, including ATM withdrawals in foreign countries. This fee will post as a separate transaction. Many institutions 'upcharge' the 1% fee. Delta Community CU does not 'upcharge'; we simply pass the fee to the cardholder.

    These charges will be assessed on the same account as the original transaction and will not be debited from an alternate account, such as a Savings Account. If you do not have sufficient funds to cover a transaction and this fee, it can create a negative balance on the share or loan of the original transaction.

    In simple terms, the Foreign Transaction Fee is a currency conversion fee. Since all transactions on U.S. issued credit and check cards are posted in U.S. dollars, Visa, MasterCard and American Express convert any foreign purchase amount into U.S. dollars and charge a currency conversion fee for doing so. In our case, Visa charges a 1% fee for foreign transactions made with your Delta Community CU Visa Credit and Check or ATM cards for currency conversion, while other card issuers charge as much as 3%. This fee is NOT a new fee, but changes with card company regulations now require it to be listed as a separate charge on your statement. Previously, this fee was included in the exchange rate by Visa as part of the total transaction amount.

    Using your Delta Community CU Visa Credit and Check or ATM card for overseas transactions still offers you the best value for your money. Plus if your card is ever lost or stolen while traveling, you are protected by Visa's $0 Liability policy against fraudulent use.

    You can use your cards anywhere Visa is accepted. If you know your PIN, you can use the card at an ATM where the Visa logo is displayed. Click here for Visa's Global ATM Locator.
    Military Bases outside of the US:

    Transactions made on foreign U.S. Military bases are subject to Visa foreign transaction fees.

    • Cash transactions are charged a fee of 0.15% of the transaction amount.
    • Purchase transactions are charged a fee of 0.40% of the transaction amount.

    Single Currency Transactions: (Transactions in USD that originate in foreign countries):

    Transactions made in USD in foreign countries are subject to a Visa foreign transaction fee of .80% of the transaction amount (better than the 1% Visa fee on transactions made in foreign currencies.)

    Additional information when using an ATM card:

    If an ATM is used that is not routed through the Visa network, the 1% fee will not be charged by Visa. However, a foreign transaction fee from that particular system may be charged. Delta Community CU can not provide a quote for this fee. It may also be useful to know that our ATM cards are not accepted everywhere (like Visa cards are), so use of your ATM card is limited. Also, additional fees may apply, depending on the financial institution operating the ATM. Look for the Plus, Interlink and Co-op logos when using your ATM card.
    For additional information and FAQs relating to the Visa Foreign Transaction Fee, click here.

  • Advantages for a Visa Debit Card (vs. an ATM card)
  • What advantages are there for a Visa Debit Card (vs. an ATM card)? Many incredible benefits are available for those with Visa Debit Cards! Enjoy instant access to available funds within your savings and checking accounts. Imagine the convenience of an 'electronic check' without having your checkbook. Visa Debit Cards provide unlimited ATM transactions from your Checking Account without ever being charged a fee by us.

    Expand your purchasing power - Visa Debit Cards can be used anywhere Visa is accepted. Be confident your funds are safe and secure with Visa's Zero Liability policy providing you with 100% protection against fraudulent activity and peace of mind at NO additional cost.

    Participate in our Reward Points Program and earn points for eligible purchases. These points can be used for reward options, travel, dining, retail and so much more.

    • Your Delta Community CU Visa Debit Card is like a charge card; except that the money comes from your Checking Account. The Visa logo gives you instant payment recognition.
    • It s easier than writing a check. Just sign and you re off. The Delta Community CU Visa Debit Card transaction is as simple as a credit card transaction.
    • You can use your Delta Community CU Visa Debit Card to make purchases at millions of locations. Visa will always protect you from unauthorized use.
    • You can use your Delta Community CU Visa Debit Card to shop with confidence. If your account is compromised, Visa is committed to setting things right without further aggravation or inconvenience to you.

  • College Student Checking Account and Visa Check Card
  • How can a college student obtain a Checking Account and Visa Check Card?
    To apply for a Checking Account and Visa Check Card, complete a Checking Account application. An applicant must be at least 16 years old to have a Checking Account. An adult joint owner is required until the member reaches age 18.

    The Delta Community CU Visa Check Card gives you the protection of Visa and works like a plastic check. It's quicker and more convenient than a paper check. Use the Visa Check Card at merchants throughout the world anywhere you see the Visa logo. You can access your Online Banking account as well as CO-OP Shared Branches and ATM's throughout the country. Click here to access the Credit Union and ATM locations convenient to you.

Apply Now for a Delta Community Credit Union Credit Card for Young Adults!

Earn rewards for travel, shopping and more!

Already have an account with Delta Community Credit Union? Applying for a Young Adult Credit Card online is a simple process.

Log in to your Online Banking account and select Apply for a Loan or Credit Card from the Loan tab.

Need a Delta Community Credit Union Account?

Open one now! Apply online for a Delta Community Credit Union account online.

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 a Delta Community Credit Union Young Adult Credit Card by selecting Apply for a Loan or Credit Card from the Loan tab.

Have Credit Card Application Questions?

You can call us at any time via our toll-free number at 1-800-544-3328 or locally at 404-715-4725.

Come to a Local Credit Union Branch

Looking for a local credit union? Delta Community has convenient branches located throughout metro Atlanta. Our friendly Credit Union representatives will be happy to assist you with any of your banking needs.

Who is this product right for?

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

1Young Adult Credit Card Terms and Conditions

2 2,000 enrollment bonus points apply to new, first-time Delta Community Reward Points program enrollments only. All standard Delta Community Reward Points rules apply. View complete program details.

3 1,000 bonus points applies for eligible signature-based purchases made within 30 days of card issuance. All standard Delta Community Reward Points rules apply. View complete program details.

4 For 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.

5 Cell 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.

Important Notice: You are accessing a secure site with confidential information which is restricted to authorized persons only. Unauthorized access or use is not permitted and constitutes a crime punishable by law. Violators will be prosecuted to the fullest extent of the law.