Credit Cards

Put the power of convenience in the palm of your hand with a DuTrac credit card. DuTrac offers four money saving, convenient credit card choices; VISA Platinum, VISA, and MasterCard. We also offer a Business VISA Platinum for our business members. Using a DuTrac credit card is simple, safe and secure. You can rest easy knowing your DuTrac credit card is protected against possible fraud because we use a fraud protection technology that will monitor and detect any transactions that are different from your ordinary spending patterns and alert you if something appears to be out of the ordinary.

For added online security, all DuTrac VISA credit cards are eligible to enroll in Verified by VISA, while MasterCard's are eligible to enroll in MasterCard SecureCode. These services protect your credit card against unauthorized online purchases with a personal password.

mycardinfo adds even more convenience to all of our credit cards. This free service allows you current 24-hour access to your credit card account! You can get balances, detailed history on your card, make payments and even research transactions. Login now to take advantage of this great free service.

VISA Platinum cardholders are eligible to enroll in a free optional rewards program which allows you to earn points for every dollar spent on purchases. Our Choice Rewards program is a great way to reward yourself for purchases you make everyday.

No matter which card you have, you'll be able to reserve motel rooms, rent a car, and make purchases worldwide.¹ Your DuTrac credit card will give you the convenience and versatility you need and have been wanting!

If you currently have a credit card with DuTrac and would like to increase your limit or upgrade to a different card, simply fill in the requested information on our secure application and we'll handle the rest.

Qualified new members are eligible to receive 1% off credit card balance transfers. Simply transfer any existing credit card balance you have on a non-DuTrac credit card to your new DuTrac credit card and we'll take 1% of our current rate until the transferred balance is paid off.²

If you should happen to have your credit card stolen or misplace it, you should contact our credit card center immediately. The credit center is available 24 hours a day, 7 days a week. They are able to answer questions or handle emergency situations. Our credit card center can be reached by calling 1-800-234-5354. Lost and stolen cards should be reported immediately to decrease the chance of any unauthorized transactions appearing on your statement.

VISA Platinum

A distinctive card for distinguished users. With a VISA Platinum credit card you can enjoy the service and recognition you deserve. This card combines a higher credit limit with a low interest rate and no annual fee. Plus the great options don't stop there! Our VISA Platinum offers you the opportunity to obtain multiple cards as well as enroll in an optional rewards program. Click Here to read more on this great card.

Current Rates

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VISA

Use your VISA to make purchases and receive cash advances at worldwide locations.This card combines a low interest rate as well as no annual fee with annual purchases totaling $2,500 or with automatic payment set up from your DuTrac Community checking account. Should you ever have any questions, our Card Services Department will be happy to assist you, no need to call an 800 number and be put on hold!

Current Rates

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MasterCard

Whether you're a student, a young couple, or someone trying to establish credit, the MasterCard credit card is an ideal first card. This card offers an available lower credit limit for those who would like to establish a good credit history, but don't want a higher limit. MasterCard is simple, flexible, and recognized worldwide. Setting up automatic payments from your DuTrac Community account will also ensure that your payments are always made on time. Should you ever have any questions, our Card Services Department will be happy to assist you, no need to call an 800 number and be put on hold!

Current Rates

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Business VISA Platinum

With its purchasing convenience, cost savings, privileges, and detailed reporting, the Business VISA Platinum offers what your business needs to stay on top. Business owners can get separate cards for their employees, with separate statements, which will allow them to track individual expenses. An optional rewards program is available which can be redeemed for travel, merchandise and much more. This card features a low variable rate and a 25-Day grace period on purchases. Setting up automatic payments from your DuTrac Community account will also ensure that your payments are always made on time. Should you ever have any questions, our Card Services Department will be happy to assist you, no need to call an 800 number and be put on hold!

Current Rates

To apply please call (563) 582-1331 or (800) 475-1331 and speak with our Business Relationship Manager or any Financial Services Consultant.

¹There are some countries in which you will not be able to use your DuTrac credit card. These countries are either blocked due to excessive fraud or are sanctioned countries ordered by OFAC (U.S. Department of the Treasury Office of Foreign Assets Control).

Angola

Belarus

Bulgaria

Cote D' Ivorie (Ivory Coast)

Cuba

Democratic Republic of the Congo

Iran

Iraq

Latvia

Liberia

Libyan Arab Jamahiriya

Malaysia

Myanmar (Burma)

North Korea

Romania

Russia

Sierra Leone

Sudan

Syrian Arab Republic

Thailand

Ukraine

Yugoslavia

Zimbabwe

Balkans which includes Bosnia & Herzegovina, Croatia, Montenegro, Macedonia, Serbia, and Slovenia

²Balance transfers: may take 3-4 weeks to be completed, are considered cash advances, may be made from other MasterCard, Visa, Discover, retail or gasoline credit cards but NOT from an existing DuTrac card. Offer is subject to qualified credit. Some restrictions apply. Contact a Financial Services Consultant for further details.