Ducks Unlimited Card Review: It’s Bye-Bye to Those Big Gas Rewards

This card made its name with unlimited 5% cash back on gas and at sporting goods stores. But now it pays a flat 1.5% on all purchases.

Robin Saks FrankelNovember 14, 2019

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Our Take

3.6

NerdWallet rating 

The bottom line: The card's ongoing rewards rate matches what you'll find on many good cash-back cards, but it lacks some of the upfront incentives that those other options offer.

Best Gas Credit Card

Ducks Unlimited Rewards Platinum Edition® Visa® Card

Ducks Unlimited Rewards Platinum Edition® Visa® Card

Annual Fee

$0

Regular APR

19.99% Variable

Intro APR

N/A

Recommended Credit Score

Quick Facts

Pros & Cons

Pros

  • No annual fee

  • No reward caps

Cons

  • High APR

  • Minimum redemptions apply

  • No sign-up bonus

Alternate Pick: 2% cash back on Everything

Citi® Double Cash Card – 18 month BT offer

No categories, just consistent rewards

The Citi® Double Cash Card – 18 month BT offer pays 2% cash back on purchases — 1% when you buy something and another 1% when you pay the bill. If your credit card spending covers a lot more ground than gas, this card makes it simple to earn elevated rewards on all purchases.

Read our review

Compare to Other Cards

Annual Fee

$0 intro for the first year, then $95

Annual Fee

$0

Annual Fee

$0

Regular APR

13.99% - 23.99% Variable APR

Rates & Fees

Regular APR

13.99% - 23.99% Variable APR

Regular APR

14.99% - 23.74% Variable APR

Intro APR

0% intro APR on Purchases for 12 months

Intro APR

0% intro APR on Balance Transfers for 18 months

Intro APR

0% intro APR on Purchases for 15 months

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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Full Review

The $0-annual-fee Ducks Unlimited Rewards Platinum Edition® Visa® Card was once a rare bird. Issued by First Bankcard, a division of First National Bank of Omaha, it offered an exceptional rewards rate — unlimited 5% cash back — on gas and at sporting goods stores.

Offered — past tense. In spring 2020, the card radically restructured its rewards. Out went the big, honking rate on gas that had originally made it NerdWallet's best gas card of 2020. In its place: a flat 1.5% cash back on all purchases. That's not a terrible rate — it matches what's offered by plenty of good cards. But it's not unlimited 5% on gas.

Ducks Unlimited Rewards Platinum Edition® Visa® Card: Basics

Card type: Cash back.

Annual fee: $0.

Sign-up bonus: None.

Rewards:

  • 1.5% cash back on all purchases.

Interest rate: The ongoing APR is 19.99% Variable.

Foreign transaction fee: 3%

Why the Ducks Unlimited Rewards Platinum Edition® Visa® Card might be right for you

You want to support ducks unlimited

In terms of features, there's really nothing about this card to recommend it over other 1.5% cards, especially those that offer cash sign-up bonuses or introductory 0% interest periods. However, if you're a hunter or conservationist who believes in Ducks Unlimited's mission, it might find a place in your wallet.

A portion of every purchase made with the Ducks Unlimited Rewards Platinum Edition® Visa® Card is donated to Ducks Unlimited’s efforts to preserve and maintain wetlands and other native habitats for ducks, geese and other wildlife. The organization says its conservation and management efforts have provided over 14 million acres of habitat for waterfowl, and that the number of ducks recorded in those areas has increased as a result. As its credit card motto says: “You buy, ducks fly.”

Potential alternatives

Citi® Double Cash Card – 18 month BT offer

If you're seeking solid and consistent rewards every time you use your card, you'll find that with the Citi® Double Cash Card – 18 month BT offer. With this card, you'll earn a total of 2% cash back on every purchase — 1% when you make it and another 1% when you pay the bill.

Chase Freedom Unlimited®

The Chase Freedom Unlimited® earns 1.5% cash back on purchases, like the Ducks Unlimited Rewards Platinum Edition® Visa® Card. But it also gives you:

  • Bonus rewards: 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores.

  • New cardholder incentives: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. Plus, get 5% back on up to $12,000 in grocery store purchases in the first year.

  • An introductory APR offer: 0% intro APR on Purchases for 15 months, and then the ongoing APR of 14.99% - 23.74% Variable APR.

Sam's Club® Mastercard®

To be sure, 5% back on gas isn’t unheard of. The Sam's Club® Mastercard®, for example, offers that rate on up to $6,000 spent on gas per year. After that, you’ll drop down to 1% back on gas. It also earns 3% back at restaurants and travel, and 1% on all other spending. And while the card’s annual fee is technically $0, you must join Sam’s Club to get it. Membership there costs at least $45 a year. But, if your gas spending is in line with the average household and you tend to buy in bulk, the Sam's Club® Mastercard® might save you more money overall.

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