Last Updated: 07/28/2025
DuTrac Community Credit Union Choice Mastercard
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
Starting at 14.90%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
Starting at 14.90%(Verified 06/21/2024)
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Credit Score Range
500 - 599
Annual Fee
N/A
DuTrac Community Credit Union Choice Mastercard Review
This is a store secured credit rewards 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.
Key Takeaways
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 1% every time you make a transaction outside the U.S.
- Student credit card. This card is geared toward students. In other words, college students with limited credit history and low incomes can still apply, especially if they have a cosigner ready to vouch for them.
- Secured card. This card requires a refundable deposit before you can use the account. Deposits are returned upon account closure after settling outstanding balances. These cards can help people with poor credit or little credit history build their credit.
- 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 poor credit.
Pros & Cons of DuTrac Community Credit Union Choice Mastercard
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DuTrac Community Credit Union Choice Mastercard FAQ
Does DuTrac Community Credit Union Choice Mastercard have a cash back or rewards program?
DuTrac Community Credit Union Choice Mastercard is a rewards card.
| Description |
Does DuTrac Community Credit Union Choice Mastercard have a signup bonus?
This card doesn't offer a cash signup bonus.Does DuTrac Community Credit Union Choice Mastercard offer an annual loyalty bonus?
This card 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
- Cell Phone 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 regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular 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 intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does DuTrac Community Credit Union Choice Mastercard 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 DuTrac Community Credit Union Choice Mastercard?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Starting at $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
N/A.
There is a late fee starting at $15. Does DuTrac Community Credit Union Choice Mastercard have a foreign transaction fee?
DuTrac Community Credit Union Choice Mastercard charges a foreign transaction fee of up to 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 foreign transaction fees.What is the customer service phone number for DuTrac Community Credit Union Choice Mastercard?
The customer service number for DuTrac Community Credit Union Choice Mastercard is (563) 582-1331.
What is the support contact email for DuTrac Community Credit Union Choice Mastercard?
The support contact email for DuTrac Community Credit Union Choice Mastercard is members@dutrac.org.
What is the login page for DuTrac Community Credit Union Choice Mastercard?
You can access the login page of DuTrac Community Credit Union Choice Mastercard here.
How do people rate the customer service and user experience of DuTrac Community Credit Union Choice Mastercard?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does DuTrac Community Credit Union Choice Mastercard report your account activity to credit bureaus?
Yes, DuTrac Community Credit Union Choice Mastercard reports to the following credit bureaus:
- 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 build your credit.
Does DuTrac Community Credit Union perform a hard credit pull?
Yes, DuTrac Community Credit Union Choice Mastercard performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for DuTrac Community Credit Union Choice Mastercard
- Visit the website of DuTrac Community Credit Union Choice Mastercard.
- 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.
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