Credit Cards
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.
Receive 3X Rewards in November + December.
Whether you’re shopping for friends, family or your business, you’ll receive triple points on your purchases during November and December.
Qualified transactions must be posted between November 1, 2023 and December 31, 2023 to be eligible for triple rewards. Refer to DuTrac’s terms and conditions at DuTrac.org if you have any questions about your Rewards program. Your standard APR for Mastercard Platinum and Business Mastercard Platinum is variable and will vary with the market based on the 13-week U.S. Government Treasury Bill. Foreign transaction fee of 1% of transaction amount will apply. Does not apply to cash advances or balance transfers. Earn 3 points for every $1 you spend. There are no caps or limits on the number of points Mastercard Platinum and Business Mastercard Platinum card members may earn. Redemption of reward points starts at 2,500 points for a $25 statement credit.
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.
Use your Mastercard and you could win $10,000.*
Put your Mastercard to work for you! From January 1 to December 31, 2023, every purchase you make with your DuTrac Mastercard is an entry for a chance to win $10,000.*
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.
Receive 3X Rewards in November + December
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 | ✓ | ✓ | • |
| CardValet® | ✓ | ✓ | ✓ |
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.
CardValet® is a mobile debit/credit card management application helping to reduce fraud by allowing cardholders to monitor credit card accounts with their smartphone and control how, when, and where their debit/credit card is used.
It was developed in partnership with Fiserv and is available in the Apple® App Store or Google® Play. Once set up on your smartphone, CardValet can:
- Allow cardholders the ability to “turn off” their card(s) when not being used
- Establish transaction spending limits
- Decline a transaction when a charge exceeds a predefined threshold
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, login to PC Branch and click on credit cards on the left side bar. 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.
Afterwards, 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, login to PC Branch and click on credit cards on the left side bar. 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 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.