Ducks Unlimited Rewards Visa® review

How to apply for the Ducks Unlimited Rewards Visa®

1. Go to the Ducks Unlimited Rewards Visa® website and click Get started now.
2. Enter all the required details, including your personal and financial information.
3. Review your application and submit it.

• See screenshots of the application form

  
  
  

How long will it take to get my Ducks Unlimited Rewards Visa®?

You’ll likely get a decision in less than a minute. Once approved, expect your card to arrive within seven to 10 business days.

The perks

• Cash back.
  Earn unlimited 1.5% cash back on everything you buy.

• Support Ducks Unlimited.
  Help fund wetland conservation with every purchase you make.
• No annual fee.
  All of the cash back you earn with the card is pure reward to your account.

• No penalty APR.
  Late payments will only cost you a fee of up to $39. With other cards you can incur a penalty APR of up to 31%, which may last indefinitely.

What to watch out for

• No intro APR period.
  The card comes with a variable APR of 19.99%, regardless of your credit worthiness. If you want to move your balance from another card or if you want to make a large purchase and carry your balance, consider a 0% intro APR card.

• No signup bonus.
  The Ducks Unlimited Rewards Visa® may have long term value, but it lacks the easy-to-earn reward of a welcome offer.

• Foreign transaction fee.
  You’ll pay a fee of 3% of each transaction made abroad. This may not sound like much, but can quickly add up on a trip spanning several days.

Compare cashback credit cards

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Name	Product	Filter values	Rewards	Purchase APR	Annual fee
Blue Cash Preferred® Card from American Express			6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases (redeem as statement credit)	0% intro for the first 12 months (then 13.99% to 23.99% variable)	$0 intro annual fee for the first year ($95 thereafter)	Apply now View details	Earn up to $350. In your first 6 months, you can earn a $150 statement credit when you spend $3,000, and earn 20% back on Amazon purchases made with your card, up to $200 total. Having 6 months to earn a welcome offer is a rare benefit as most cards give you only 3. Terms apply, see rates & fees	Compare	loading Fetching your data...
Blue Cash Everyday® Card from American Express			3% at US supermarkets on up to $6,000 per year (then 1%), 2% at US gas stations and select US department stores and 1% on all other purchases (redeem as statement credit)	0% intro for the first 15 months (then 13.99% to 23.99% variable)	$0	Apply now View details	Earn up to $250. You'll get 20% back on Amazon.com purchases in the first six months for up to $150 back, and $100 after you spend $2,000 in the first six months. This is a higher-than-average welcome offer for a card with no annual fee. Terms apply, see rates & fees	Compare	loading Fetching your data...
Citi Custom Cash℠ Card			5% cash back on purchases in your top eligible spend category each billing cycle on up to the first $500 spent, then 1% cash back thereafter and on all other purchases	0% intro for the first 15 months (then 13.99% to 23.99% variable)	$0	Apply now View details	A new cashback card that automatically awards 5% to your highest eligible spending category each billing cycle, on up to $500 (then 1%).	Compare	loading Fetching your data...

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What should I know before I apply?

You must be at least 18 years old and a US resident to apply for this card.

In your application, you must provide your:

• Full name, residential address and contact information.
• Annual income, employer information and monthly rent or mortgage.
• Social Security number and date of birth.

Before you fill out the application form, you’ll also select one of the four available credit card designs.

What credit score do I need?

To increase your chances of approval, apply with a good to excellent credit score of 670 or higher.

Ducks Unlimited Rewards Visa® reviews and complaints

As of October 2020, the Better Business Bureau rates the card issuer — the First Bankcard, a division of First National Bank of Omaha — with an A. Most complaints for the bank revolve around poor customer support and hidden fees. Some customers claim that their credit line was lowered when they made a single late payment. One customer even claims that their autopay didn’t work, so they were charged late payment fee and interest.

Avoid surprise fees by reading over the terms and conditions of your card. You may also benefit from keeping an eye on your monthly statements, even if you have autopay set up.

I got the card. Now what?

• Download Ducks Unlimited Visa mobile app. Use the app to pay your card bill, set up alerts, view your rewards balance and more.
• View your FICO score. Opt in with the app to view your FICO score for free.
• Avoid interest and fees. Your due date is 21 days after the close of each billing cycle. Pay your balance before that to avoid a late payment fee and high interest.
• Customer service. Call 888-295-5540 if you have any card-related questions, and First Bankcard customer service will assist you.

Bottom line

The Ducks Unlimited Rewards Visa® is a solid cashback card if you don’t spend much on any particular category of purchases. And what’s cool, a small portion of every purchase you make with the card is donated to help wetlands conservation.

However, you can look for other cashback credit cards if this doesn’t seem like a card for you.

Frequently asked questions.

• Does the card charge extra for wetlands conservation?

  No, a small portion of everything you buy goes for wetlands conservation with no additional cost to you.

• Is there a minimum cashback redemption threshold?

  Yes, you need to redeem a minimum of $25.