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  DuTrac Community Credit Union Choice Mastercard

DuTrac Community Credit Union Choice Mastercard

in Personal Credit Cards from DuTrac Community Credit Union

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DuTrac Community Credit Union Choice Mastercard

Unaffiliated

in Personal Credit Cards from DuTrac Community Credit Union

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Highlights
Purchase APR  (Variable APR) Starting at 14.90%
Balance Transfer APR  (Variable APR) Starting at 14.90%
Credit Score Range 500 - 599
Annual Fee N/A

DuTrac Community Credit Union Choice Mastercard Review

DuTrac Community Credit Union Choice Mastercard is a store secured credit card rewards credit card issued by DuTrac Community Credit Union. If you're wondering whether DuTrac Community Credit Union Choice Mastercard is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
  • Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
  • Multiple credit card benefits. Includes generous credit card perks, such as extended warranty protection on purchases, identity theft protection, price protection, and fraud protection.
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have good approval odds.
DuTrac Community Credit Union Choice Mastercard Pros & Cons
The Good The Bad
  • Lower than average purchase APRs.
  • Multiple credit card perks.
  • Extended warranty and price protection on purchases.
  • Free access to your credit score.
  • Identity Theft Protection.
  • Considers applicants with fair or poor credit.
  • Cardholders can earn rewards on their purchases.
  • DuTrac Community Credit Union Choice Mastercard reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
  • You don't earn rewards on every purchase.
DuTrac Community Credit Union Choice Mastercard FAQ

Is there a DuTrac Community Credit Union Choice Mastercard cash back or rewards program?

DuTrac Community Credit Union Choice Mastercard offers a rewards program to its customers.

DuTrac Community Credit Union Choice Mastercard Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

Does DuTrac Community Credit Union Choice Mastercard have a signup bonus?

DuTrac Community Credit Union Choice Mastercard doesn't offer a cash signup bonus.

Does DuTrac Community Credit Union Choice Mastercard offer an annual loyalty bonus?

DuTrac Community Credit Union Choice Mastercard doesn't offer a cash loyalty bonus.

What are the DuTrac Community Credit Union Choice Mastercard benefits?

DuTrac Community Credit Union Choice Mastercard provides the following benefits:

  • Free Credit Score
  • Extended Warranty Protection
  • Price Protection
  • Cellular Telephone Protection
  • Reports to major credit bureaus

What are the relevant APRs for DuTrac Community Credit Union Choice Mastercard?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. DuTrac Community Credit Union Choice Mastercard has lower than average purchase APRs.

DuTrac Community Credit Union Choice Mastercard has a variable purchase APR starting at 14.90% . The card has a variable balance transfer APR starting at 14.90% . It also has a variable cash advance APR starting at 14.90% .

Does DuTrac Community Credit Union Choice Mastercard have an introductory APR offer on balance transfers?

No, DuTrac Community Credit Union Choice Mastercard does not come with an introductory APR offer for balance transfers.

Does DuTrac Community Credit Union Choice Mastercard have an introductory APR offer on new purchases?

DuTrac Community Credit Union Choice Mastercard does not offer an introductory rate on new purchases.

What are the fees for DuTrac Community Credit Union Choice Mastercard?

The following fees apply to DuTrac Community Credit Union Choice Mastercard:

DuTrac Community Credit Union Choice Mastercard Fees
Fees Amount
Annual Fee
Foreign Transaction Fee 1%

Does DuTrac Community Credit Union Choice Mastercard have a foreign transaction fee?

DuTrac Community Credit Union Choice Mastercard charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

Does DuTrac Community Credit Union Choice Mastercard report your account activity to credit bureaus?

Yes, DuTrac Community Credit Union Choice Mastercard 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 DuTrac Community Credit Union Choice Mastercard

  • Visit the DuTrac Community Credit Union Choice Mastercard 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.

View DuTrac Community Credit Union Choice Mastercard's published terms & conditions.
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 8:30am - 5:30pm
  • Tuesday 8:30am - 5:30pm
  • Wednesday 8:30am - 5:30pm
  • Thursday 8:30am - 5:30pm
  • Friday 8:30am - 6:00pm
  • Saturday 8:30am - 12:00pm

About DuTrac Community Credit Union Choice Mastercard

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View all personal credit cards offered by DuTrac Community Credit Union

Availability

  Available in 1 state
Iowa
Availabile in all of Iowa

Feature Breakdown

No Interest Grace Period for Late Payment 25 days
Foreign Currency Transaction Fee 1%
Late Fee Amount Starting at $15
Customer Type Personal
Minimum Age 18
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 500 - 599
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Extended Warranty Protection
  • Price Protection
  • Free Credit Score
  • Cellular Telephone Protection
Rewards Categories
  • Shipping
  • Insurance
  • Select Merchants
Cash Advance APR (Variable APR) Starting at 14.90%
Balance Computation : We use a method called “average daily balance (including new purchases).”
Purchase APR (Variable APR) Starting at 14.90%
Balance Transfer APR (Variable APR) Starting at 14.90%
Card Type
  • Student
  • Rewards
  • Secured
  • Store Card
  • Bonus Offers
Card Network Mastercard

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