Ducks Unlimited Credit Card

Ducks Unlimited Credit Card Review

This is a cashback card issued by First National Bank of Omaha. If you're wondering whether Ducks Unlimited Credit Card is the right card for you, read on.

Key Takeaways

• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 20.24%
• No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
• 5% Balance transfer fee. Ducks Unlimited Credit Card charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 in transfer fees. The minimum fee is $10.
• Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
• Fair or better credit required. You will have good approval odds if your credit score is above 620.

Pros & Cons of Ducks Unlimited Credit Card

The Good	The Bad
No annual fee. Free access to your credit score. Identity Theft Protection. Considers applicants with fair credit. Ducks Unlimited Credit Card reports to multiple credit bureaus.	Higher than average purchase APRs. Does not offer a signup bonus. Charges a foreign transaction fee of 3%. You don't earn rewards on every purchase. Charges a 5% balance transfer fee

Ducks Unlimited Credit Card FAQ

Does Ducks Unlimited Credit Card have a cash back or rewards program?

No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.

What are the Ducks Unlimited Credit Card benefits?

It provides the following benefits:

• Free Credit Score
• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for Ducks Unlimited Credit Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

Ducks Unlimited Credit Card has a variable purchase APR of 20.24%. The card has a variable balance transfer APR of 20.24% . It also has a variable cash advance APR of 25.49% .

The good news is this card does not charge a penalty APR if you are late on a payment.

What are the fees for Ducks Unlimited Credit Card?

The following fees apply:

Ducks Unlimited Credit Card Fees

Description
Cash Advance Fee Minimum	$15
Cash Advance Fee (%)	5%
Minimum Cash Advance Fee ($)	$15
Foreign Currency Transaction Fee	3%
No Annual Fee?
No Foreign Transaction Fee?
Annual Fee	$0
Minimum Interest Charge	$1.75
No Interest Grace Period for Late Payment	21 days
Returned Payment Fee	$35
Late Fee Amount	$40

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

Does Ducks Unlimited Credit Card report your account activity to credit bureaus?

Yes, Ducks Unlimited Credit Card reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Ducks Unlimited Credit Card

• Visit the Ducks Unlimited Credit Card website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.