Credit Cards

Introducing DuTrac’s suite of credit cards by Mastercard…choose from the cards you qualify for based on your credit needs.

DuTrac’s CHOICE Mastercard places the power of rate choice in your hands. Choose between a variable or a non-variable rate card. And, if you don’t care for your first choice in rate, you may always switch to the other rate card option. There is no right choice, only the card that best suits your credit and spending needs.

Depending on your credit history and score, you may qualify for another choice: DuTrac’s Platinum Rewards Mastercard. DuTrac’s Platinum Rewards Mastercard 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. With uChoose Rewards you earn points every time you use your DuTrac Rewards Mastercard – and with some retailers earn additional points – and may redeem your points for cash or items of your personal choosing from a vast online catalog.

Mastercard Surprise!

From now until 12/31/21, when 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!

Easy Savings® for Small Business

Get valuable rebates on your 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. Mastercard Easy Savings is ready to save you money on your everyday business purchases. Start making the most of the program today!

Learn more at

Mastercard Guide to Benefits for Small Business

*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. 

 Platinum Rewards MastercardBusiness Platinum Rewards MastercardChoice Mastercard
Interest RateLow rateLow rateLow rate
No Annual Fee$15
Automatic Payments
Grace Period25 days25 days25 days
Online SecurityMastercard SecureCodeMastercard SecureCodeMastercard SecureCode
EMV Chip
Online Access Plus
uChoose Rewards

View a copy of DuTrac’s credit card agreement here. Click to view DuTrac’s Mastercard Platinum Disclosure, Mastercard Choice Variable Disclosure and Mastercard Choice Fixed Disclosure.

FirstCard Credit Card

By obtaining the DuTrac Community Credit Union FirstCard credit card, you can begin to establish your credit and learn about money management, too.

At DuTrac, we understand there is a first time for everything.  That is why DuTrac offers the “FirstCard” credit card program. This program allows those with little or no credit history to receive a $500 Mastercard Choice with valuable information on establishing good credit and managing your credit in the future.

Unlike credit card applications you get in the mail from all over the country, the DuTrac “FirstCard” is issued locally by your Credit Union.  And, unlike the others, DuTrac will 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.

So live life to the fullest, have some fun, and always know…Yes, there is a place… willing to give you the credit you deserve.

To be eligible for the FirstCard Credit Card:

Your DuTrac FirstCard Mastercard credit card also includes security against possible fraud through a fraud protection technology which monitors and detects transactions that are different from your ordinary spending patterns and will alert you if something appears to be out of the ordinary.

For all credit card details, visit Guide to Benefits.

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