Ducks Unlimited Card Review: It’s Bye-Bye to Those Big Gas Rewards
Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
Our Take
3.6
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.
Full Review
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 – 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.
Compare to Other Cards
Annual fee$0 | Annual fee$0 | Annual fee$0 |
Regular APR13.99% - 23.99% Variable APR | Regular APR14.99% - 23.74% Variable APR | |
Intro APR0% intro APR on Balance Transfers for 18 months | Intro APR0% intro APR for 14 months on purchases and balance transfers | Intro APR0% intro APR on Purchases for 15 months |
Recommended Credit Score |
Recommended Credit Score |
Recommended Credit Score |
Get more smart money moves — straight to your inbox
Become a NerdWallet member, and we’ll send you tailored articles we think you’ll love.
Full Review
The -annual-fee 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 . Out went the big, honking rate on gas that had originally made it . 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.
Card type:
Annual fee: .
Sign-up bonus: None.
Rewards:
Interest rate: .
Foreign transaction fee: 3%
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 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.”
If you're seeking solid and consistent rewards every time you use your card, you'll find that with the . 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.
The earns 1.5% cash back on purchases, like the . But it also gives you:
To be sure, 5% back on gas isn’t unheard of. The , 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 might save you more money overall.
