Ducks Unlimited Rewards Visa® review |

Ducks Unlimited Rewards Visa® review

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

Ducks Unlimited Rewards Visa®

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

30-second take

  • 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.
Product NameDucks Unlimited Rewards Visa®
Card TypeVisa
Annual Fee$0
APR (Annual Percentage Rate) for Purchases20.99% variable
Introductory Purchase APR


Balance Transfer APR20.99% variable
Introductory Balance Transfer APR


Balance Transfer Fee$10 or 5% of the transaction, whichever is greater
Cash Advance Rate27.24% variable
Foreign Transaction Fee3% of the transaction value
Cash Advance Fee$15 or 5% of the cash advance amount, whichever is greater
Interest Free PeriodUp to 21 days
Late Payment FeeUp to $37
Returned Payment FeeUp to $35
Minimum Age18 years of age
Rewards5% cash back on sporting goods store & gas purchases.

1% cash back on other purchases.
Base Rewards1% cash back

The basics

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 card for cash back on gas

Blue Cash Preferred® Card from American Express

  • Earn a $200 statement credit after you spend $1,000 in purchases on your new card within the first 3 months.
  • 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
  • 3% cash back at US gas stations.
  • 1% cash back on other purchases.
  • Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • $95 annual fee.
  • Terms apply.
Read less
Read more
See Rates & Fees

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 $37. 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 20.99%, 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

Name Product Filter values Annual Fee APR for Purchases (Purchase Rate) Intro APR for Balance Transfer
17.24% to 25.99% variable
0% for the first 15 months (then 17.24% to 25.99% variable)
0% intro APR for 15 months from account opening on purchases and balance transfers.
16.24% to 25.74% variable
0% for the first 12 billing cycles (then 16.24% to 25.74% variable)
When you spend $500 on your card within the first 90 days, you’ll receive a $150 cash back bonus.
17.24% to 25.99% variable
0% for the first 15 months (then 17.24% to 25.99% variable)
0% intro APR for 15 months from account opening on purchases and balance transfers.
15.24% to 26.24% variable
0% for the first 12 months (then 15.24% to 26.24% variable)
Earn $200 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & Fees
15.24% to 26.24% variable
0% for the first 15 months (then 15.24% to 26.24% variable)
Earn a $150 statement credit after you spend $1,000 or more in purchases with your new card within the first 3 months of card membership. Rates & Fees

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

Kliment Dukovski

As a credit cards writer at, Kliment Dukovski aims to deliver honest and accurate information to help you make the right financial decision. Before joining Finder, he has ghostwritten guides and articles on foreign exchange, stock market trading and cryptocurrencies. When he's not writing about finance-related subjects, he writes sci-fi stories.

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site