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Ducks Unlimited Rewards Visa® review

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Earn unlimited cash back on gas and sporting goods with no annual fee.

  • Get this card if you want yearlong cash back on gas.
  • Pick something else if you want an intro APR period.
  • Apply with a good to excellent credit score of 670 or higher.

Up to 5%

Cash back


Annual fee

12.74% to 23.74%

Purchase APR (variable)


Recommended credit score


Product NameDucks Unlimited Rewards Visa®
Card typeVisa
Annual fee$0
Purchase APR12.74% to 23.74% variable
Balance transfer APR12.74% to 23.74% variable
Balance transfer fee$10 or 5% of the transaction, whichever is greater
Cash advance rate26.74% variable
Cash advance fee$15 or 5% of the cash advance amount, whichever is greater
Foreign transaction fee3% of the transaction value
Interest free periodUp to 21 days
Late payment feeUp to $39
Returned payment feeUp to $35

Expert review

Kliment Dukovski

Review by

Kliment Dukovski is a credit cards writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

Usually, credit cards that offer higher cash back on gas limit rewards to about $2,000 per quarter. The Ducks Unlimited Rewards Visa® outshines the competition with an unlimited accelerated cash back on gas during the entire year. This makes the card ideal for those who are often on the road.

In addition, you earn the same cash back on sporting goods, and with every dollar spent with this card you help the Ducks Unlimited charity.

Another gas rewards card

Citi Rewards+℠ Card

  • The Citi Rewards+℠ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 14.99% - 24.99%, based on your creditworthiness. Balance transfer fee — either $5 or 3% of the amount of each transfer, whichever is greater.
  • Earn 2x ThankYou® Points at supermarkets and gas stations for the first $6,000 per year and then 1x points thereafter. Plus, earn 1x points on all other purchases.
  • The standard variable APR for Citi Flex Plan is 14.99% - 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
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The perks

  • Cash back.
    Get unlimited 5% cash back on gas and on purchases made at sporting goods stores. Earn 1% back on everything else you buy.
  • Support Ducks Unlimited.
    Help fund wetland conservation with every purchase you make.

How much cashback rewards can I earn with the Ducks Unlimited Rewards Visa®?

Where you spendHow much you spendCash back earned
Sporting goods$3,000$150
Everything else$6,500$65

Annual spending that looks similar to this would earn you a total of $465 cash back.

To maximize your cash back, only use this card on the 5% cashback categories and use other cards to earn higher cash back on different purchase categories.

You’ll also like …

  • 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 21.49%, 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

Name Product Filter values Rewards Purchase APR Annual fee
Blue Cash Everyday® Card from American Express
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
0% intro for the first 15 months (then 14.49% to 25.49% variable)
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
Capital One® Quicksilver® Cash Rewards Credit Card
1.5% cash back on all purchases
0% intro for the first 15 months (then 15.49%, 21.49% or 25.49% variable)
Earn unlimited 1.5% cash back on every purchase, every day.
CardMatch™ from creditcards.com
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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
0% intro for the first 12 months (then 14.49% to 25.49% variable)
6% cash back at US supermarkets. Rates & fees
Chase Freedom Unlimited®
1.5% cash back on all purchases
0% intro for the first 15 months (then 16.49% to 25.24% variable)
Earn a $150 signup bonus after spending $500 in the first 3 months from account opening.

Compare up to 4 providers

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.

What do customers say about the Ducks Unlimited Rewards Visa®?

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.

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.

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.

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.

How do I redeem rewards from the Ducks Unlimited Rewards Visa®?

When you make purchases with this card, you earn points. Redeem points for:

  • Cash back.
  • Merchandise.
  • Gift cards.
  • Travel.

You can redeem your cash back in denominations of $25, $50, $100 and $250. Request your cash back as a:

  • Statement credit.
  • ACH deposit to any checking or savings account.
  • Check sent by mail.

Bottom line

If you mostly spend on gas, the Ducks Unlimited Rewards Visa® has one of the highest uncapped cashback offers you can find. You also earn high cash back on purchases made at sporting goods shops, and 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.

Images: First Bankcard

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