Credit Cards
Drop some rate with a DuTrac Credit Card.
Get your finances in shape with interest rates lower than the national average.
Get the credit you deserve.
Not all credit cards are created equal. That’s why at DuTrac, you can choose from the cards you qualify for based on your credit needs.
Mastercard ID Theft Protection™
Over 40,000 people are victims of identity theft every single day.* Don’t be one of them. With your DuTrac Mastercard®, you can register for Mastercard ID Theft ProtectionTM to detect fraud attempts early so you can take immediate action before your identity is compromised.
Your next purchase could be a chance to win big!
Whether you’re grabbing pizza for the family or fueling up for a road-trip, each eligible purchase you make with your Mastercard® between now and September 30, 2024 could be an entry for a chance to win a grand prize trip and more.*
Uncover Priceless Golf Benefits with Mastercard.
Get unique Priceless Golf® benefits, exclusive offers and top-notch experiences with your DuTrac Mastercard®. Learn from PGA Tour Golf Academy instructors, access 1,200+ private courses, earn resort credits and more.
CHOICE Mastercard
Place the power of rate choice in your hands. Choose between a variable or a non-variable rate card.
Learn more at Mastercard Guide to Benefits.
Platinum Rewards Mastercard
The Platinum Reward card is earned by those members with the best credit. On top of a great rate, DuTrac’s Platinum Rewards Mastercard offers the outstanding uChoose Rewards program. Earn points every time you use your card and redeem your points for cash or items.
Learn more at Mastercard Guide to Benefits.
Business Platinum Rewards Mastercard
Offers small business owners valuable rebates on business spending with Mastercard Easy Savings®. Simply use your DuTrac Mastercard to enjoy automatic rebates at more than 50,000 merchants*. There’s no enrollment fee, no coupons and no codes. Your savings will be applied to your account each month—automatically.
Learn more at Mastercard® Premium Easy Savings program and Mastercard Guide to Benefits for Small Business.
FirstCard Credit Card
Establish your credit and learn about money management with our FirstCard credit card. This program allows those with little or no credit history to receive a $500 Mastercard Choice, along with valuable information on establishing good credit and managing your credit in the future.
We’ll help you understand the value of credit and how to use your card properly to get the most from your credit. Plus, as your experience grows and your needs change, your credit limit can change as well.
Eligibility requirements include:
- Age 18 or older
- Current DuTrac membership in good standing
- Recent pay stub for proof of income
- A qualified co-signer/co-maker (usually a parent or guardian) may be required.
Learn more at Mastercard Guide to Benefits.
| Platinum Rewards Mastercard | Business Platinum Rewards Mastercard | Choice Mastercard | |
|---|---|---|---|
| Interest Rate | Low rate | Low rate | Low rate |
| No Annual Fee | ✓ | $15 | ✓ |
| Automatic Payments | ✓ | ✓ | ✓ |
| Grace Period | 25 days | 25 days | 25 days |
| Statements | ✓ | ✓ | ✓ |
| Online Security | Mastercard SecureCode | Mastercard SecureCode | Mastercard SecureCode |
| EMV Chip | ✓ | ✓ | ✓ |
| Online Access Plus | ✓ | ✓ | ✓ |
| uChoose Rewards | ✓ | ✓ | • |
DuTrac Credit Card FAQs
To report a lost or stolen credit card, ATM SecureCard or debit card, call (563) 582-1331.
To report a lost or stolen ATM SecureCard or debit card AFTER REGULAR BUSINESS HOURS call (844) 561-7287.
To report a lost or stolen credit card AFTER REGULAR BUSINESS HOURS call (855) 851-5316.
To report suspicious activity on your account or if you have been a victim of fraud, call (563) 582-1331 or your local police.
With uChoose Rewards you earn points every time you use your DuTrac Platinum Rewards or Business Platinum Rewards Mastercard – and with some retailers, earn additional points. You will begin earning points on your DuTrac Platinum Rewards or Business Platinum Rewards Mastercard with your first purchase.
To view your points earned and access uChoose Rewards, log in to e-Banking and click on credit cards on the left sidebar. The uChoose Rewards link will be connected through their logo on the lower left-hand side of the page.
It can take up to 30 business days for your points to be credited to your account and you must accumulate one point before you can start redeeming.
Afterward, you can redeem for any number of things by simply looking for “Total Points Available for Redemption” on the “Point Details” page on the uChoose Rewards site to see how many points you have available.
To view your points earned and access uChoose Rewards, log in to e-Banking and click on credit cards on the left sidebar. The uChoose Rewards link will be connected through their logo on the lower left-hand side of the page.
You can then visit the “Redeem Points” page to choose from millions of options whether you prefer products, travel experiences, activities, event tickets, gift cards, make a deposit to a checking account or receive cash back.
Points will expire three years from the end of the month in which they were posted and a maximum of 200,000 points per year can be earned.
If you return or cancel an item, points to your account are reversed from that sale.
If you choose cash back when redeeming your points, cash will be given back in the form of a credit on your Mastercard credit card statement. Minimum amount of 2,500 points is needed to redeem cash back.
Additional benefits available include:
Our Member’s Choice Payment Protection can help if your income is reduced or eliminated due to involuntary unemployment, a disabling injury or illness or an unexpected death. Click here to begin a Member Protection claim.