Credit Cards

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Flex your purchasing power.

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.

CHOICE Mastercard

Place the power of rate choice in your hands. Choose between a variable or a non-variable rate card.

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.

Small 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.

Mastercard Surprise!

From now until 12/31/21, whenever you use your DuTrac Mastercard, you could be surprised with $10,000. Each time you use your DuTrac Mastercard, online or in-store, is another entry to win $10,000!

*Restrictions apply. Rebates currently available for qualifying eligible purchases. Participating merchants and rebate offers subject to change. You’ll receive Mastercard Easy Savings program rebates on top of merchant discounts and your card rewards.

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.
Platinum Rewards MastercardBusiness Platinum Rewards MastercardChoice Mastercard
Interest RateLow rateLow rateLow rate
No Annual Fee$15
Automatic Payments
Grace Period25 days25 days25 days
Statements
Online SecurityMastercard SecureCodeMastercard SecureCodeMastercard 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, 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.

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.