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 FrankelNov 14, 2019

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Our Take

3.8

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.

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 FactsView rates and fees

Pros & Cons

Pros

  • No annual fee

  • No reward caps

Cons

  • No bonus offer

  • No 0% intro APR

Alternate Pick: 2% cash back on Everything

Citi® Double Cash Card
NerdWallet rating 

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

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Annual fee

$0

Annual fee

$0

Annual fee

$0

Regular APR

13.99%-23.99% Variable APR

Regular APR

11.99%-22.99% Variable APR

Rates & Fees

Regular APR

14.99%-23.74% Variable APR

Intro APR

0% intro APR on Balance Transfers for 18 months

Intro APR

0% intro APR for 14 months on purchases and balance transfers

Intro APR

0% intro APR for 15 months on purchases and balance transfers

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 Out went the big, honking rate on gas that had originally made it NerdWallet's best gas card of 2020.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 an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

  • An introductory APR offer: 0% intro APR for 15 months on purchases and balance transfers, 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 extra on other bonus categories. 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.

Methodology

NerdWallet reviews credit cards with an eye toward both the quantitative and qualitative features of a card. Quantitative features are those that boil down to dollars and cents, such as fees, interest rates, rewards (including earning rates and redemption values) and the cash value of benefits and perks. Qualitative factors are those that affect how easy or difficult it is for a typical cardholder to get good value from the card. They include such things as the ease of application, simplicity of the rewards structure, the likelihood of using certain features, and whether a card is well-suited to everyday use or is best reserved for specific purchases. Our star ratings serve as a general gauge of how each card compares with others in its class, but star ratings are intended to be just one consideration when a consumer is choosing a credit card. Learn how NerdWallet rates credit cards.