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Ducks Unlimited Credit Card Unaffiliated

Ducks Unlimited Credit Card

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Highlights
Purchase APR  (Variable APR) 20.24%
Balance Transfer APR  (Variable APR) 20.24%
Credit Score Range Starting at 620
Annual Fee $0

Ducks Unlimited Credit Card Review

This is a cashback credit 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. This review will provide you with with all the details you need to make a good choice.

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%.
  • 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.

Does Ducks Unlimited Credit Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Ducks Unlimited Credit Card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Ducks Unlimited Credit Card?

The following fees apply:

Ducks Unlimited Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Returned Payment Fee $35
Late Payment Fee $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 have a foreign transaction fee?

Ducks Unlimited Credit Card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

What is the customer service phone number for Ducks Unlimited Credit Card?

The Ducks Unlimited Credit Card customer service number is (888) 530-3626.

What is the support contact email for Ducks Unlimited Credit Card?

The support contact email for Ducks Unlimited Credit Card is firstnational@fnbo.com.

What is the Ducks Unlimited Credit Card login page?

You can access the Ducks Unlimited Credit Card login page here.

How do people rate the customer service and user experience of Ducks Unlimited Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday Closed

Other Services by First National Bank of Omaha

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View all credit cards offered by First National Bank of Omaha

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 21 days
Cash Advance Fee Minimum $15
Cash Advance Fee (%) 5%
Minimum Cash Advance Fee ($) $15
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $1.75
Returned Payment Fee $35
Late Fee Amount $40
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
  • Tax Returns
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 620 -
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
  • Free Credit Score
Rewards Categories
  • 1.5% Cash Back on Every Purchase
Cash Advance APR (Variable APR) 25.49%
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 20.24%
Balance Transfer APR (Variable APR) 20.24%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 5%
Card Type
  • Cashback
Card Network Visa

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