Review
Updated
Ducks Unlimited probably isn't the first name that comes to mind when you want to get a new credit card. The nonprofit organization's mission is to protect wetlands and waterfowl, and one way it does that is through its cash back card, the Ducks Unlimited Rewards Visa® Card. There's no annual fee, and you don't need to be a member of the organization to apply.
With an unlimited 1.5% cash back, this card could be very valuable. But it's also light on extra features, so it may lack some of the benefits you want. To see if it's worth getting, learn more about the Ducks Unlimited Rewards Visa® Card in our review.
Ducks Unlimited Rewards Visa® Card
Rating image, 2.50 out of 5 stars.
2.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Rating image, 2.50 out of 5 stars.
2.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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= Best
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= Excellent
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= Good
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= Fair
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= Poor
= Best
= Excellent
= Good
= Fair = Poor
Credit Score
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Good/Excellent (670-850)
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
19.99%, variable
Rewards
1.5% cash back
Annual Fee
$0
Welcome Offer
N/A
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The unlimited 1.5% cash back is a rich perk for a credit card that is otherwise lacking features of similar no-annual-fee competitors
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- No annual fee
- Cash back on purchases
- Funds wetland conservation efforts
- High cash back redemption minimum
- No sign-up bonus
- No intro APR offer
- Foreign transaction fee
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- No Annual Fee
- Unlimited 1.5% cash back
- A portion of every purchase you make with the Ducks Unlimited Rewards Visa® Card helps fund wetlands conversation efforts
Credit card comparison
We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.
| Offer | Our Rating | Welcome Offer | Rewards Program | APR | Learn More |
|---|---|---|---|---|---|
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Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
Discover will match all the cash back you’ve earned at the end of your first year. N/A | 1% - 5% Cashback Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically. |
Intro: Purchases: 0%, 15 months Balance Transfers: 0%, 15 months Regular: 17.24% - 28.24% Variable APR |
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Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
Up to $300 cash back Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases. | 1.5% - 5% cash back Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases |
Intro: 0% Intro APR on Purchases and Balance Transfers for 15 months Purchases: 0% Intro APR on Purchases, 15 months Balance Transfers: 0% Intro APR on Balance Transfers, 15 months Regular: 20.49% - 29.24% Variable |
Apply Now for Chase Freedom Unlimited®
On Chase's Secure Website. |
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Apply Now for Chase Sapphire Preferred® Card
On Chase's Secure Website. |
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
75,000 bonus points Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠. | 5x on travel purchased through Chase Travel℠, 3x on dining and 2x on all other travel purchases Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more. |
Intro: N/A Purchases: N/A Balance Transfers: N/A Regular: 21.49%-28.49% Variable |
Apply Now for Chase Sapphire Preferred® Card
On Chase's Secure Website. |
Full Ducks Unlimited Card review
This credit card is a good fit for: People who support the Ducks Unlimited organization. Everyone else should consider shopping around for credit cards with better benefits.
Top perks
No annual fee: There's no fee to carry this card. No-annual-fee cards are a smart choice if you're looking to avoid an extra expense.
Unlimited 1.5% back: The unlimited cash back rewards program is this card's standout perk.
Funds wetland conservation efforts: Ducks Unlimited uses a portion of purchases made with this card to help conserve and restore wetlands. It should be noted that this is a hunting-oriented organization. Hunters founded the organization and comprise most of its members. It focuses on maintaining habitats in part for hunting purposes because a healthy habitat is more likely to have a strong waterfowl population.
Read more: Best Rewards Credit Cards
What could be improved
No 0% intro APR: Many cash back credit cards offer a 0% intro APR on purchases or balance transfers. The Ducks Unlimited Rewards Visa® Card doesn't offer one, so it's a poor choice if you're looking for a credit card to finance expenses or consolidate credit card debt.
No sign-up bonus: One of the biggest drawbacks of this card is that it doesn’t offer any sort of bonus for new cardholders. Sign-up bonuses can provide quite a bit of value, but you'll need to look elsewhere if a bonus is important to you.
Inconvenient cash back redemptions: Ducks Unlimited hasn't come up with the most customer-friendly way to get your cash back. You can only redeem your cash back in the following denominations: $25, $50, $100, $250, and $1,000. That means any time your total cash back isn't a multiple of $25, you won't be able to redeem all of it.
Let's say you have $196 in cash back. You could make redemptions of $100, $50, and $25, for a total of $175. But that leaves $21 you can't touch for the time being. It'd be much simpler for cardholders if Ducks Unlimited didn't have these restrictions.
Foreign transaction fee: On foreign transactions, this card charges an additional fee of 3% of the transaction amount in U.S. dollars. If you plan to travel outside the country, travel credit cards are a better choice to avoid paying extra on your purchases.
Find the best credit card for your needs
Compare credit card rewards, fees, APRs, and more using our side-by-side comparison tool.
Suggested credit score
The Ducks Unlimited Rewards Visa® Card is for consumers with good credit, and we recommend you have a credit score of at least 670 if you're going to apply.
Keep in mind that there's more to credit card applications than just your credit score. The card issuer will review your entire credit history and other financial information, such as your income, to decide whether to approve you for a card. A high credit score helps, but it's not the only factor that matters.
For more choices, take a look at our list of the best credit cards for good credit.
This card is right for you if:
The Ducks Unlimited Rewards Visa® Card could work for cardholders wanting a one-card wallet with a simple rewards program. That said, it lacks the well-rounded perks offered with the best credit cards, which is where we think many applicants should begin their search for a better card.
Our credit card methodology
At The Motley Fool Ascent, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.
We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how The Ascent rates credit cards.
FAQs
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The credit limit for the Ducks Unlimited card generally ranges from $1,000 to $15,000 or more. Credit limits vary for each cardholder and are based on annual income, credit history, and other factors.
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You can use the Ducks Unlimited card anywhere Visa is accepted.
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Yes, this card can build credit, as any credit card can with good credit behaviors. Card activity is reported to the consumer credit bureaus, so if you pay the bill on time, it can help improve your credit score.
Our Credit Cards Expert
Lyle Daly is a personal finance writer who specializes in credit cards, travel rewards programs, and banking. He writes for The Ascent and The Motley Fool, and his work has appeared in USA Today and Yahoo! Finance. He was born in California but currently lives as a digital nomad with a home base in Colombia.
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We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The Ascent, a Motley Fool service, does not cover all offers on the market. The Ascent has a dedicated team of editors and analysts focused on personal finance, and they follow the same set of publishing standards and editorial integrity while maintaining professional separation from the analysts and editors on other Motley Fool brands.
Discover Financial Services is an advertising partner of The Ascent, a Motley Fool company. John Mackey, former CEO of Whole Foods Market, an Amazon subsidiary, is a member of The Motley Fool’s board of directors. JPMorgan Chase is an advertising partner of The Ascent, a Motley Fool company. Lyle Daly has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Amazon, JPMorgan Chase, PayPal, Target, and Visa. The Motley Fool recommends Discover Financial Services and recommends the following options: short June 2024 $67.50 calls on PayPal. The Motley Fool has a disclosure policy.
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