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.
Ratings Methodology
Ducks Unlimited Rewards Visa® Card
Rating image, 2.50 out of 5 stars.
2.50/5Our 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
Rating image, 2.50 out of 5 stars.
2.50/5Our 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
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.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Poor
Fair
Good
Excellent
300-579
580-669
670-739
740-850
Credit ScoreFalling 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
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
- 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
- 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 |
|---|---|---|---|---|---|
Discover it® Cash Back | Rating image, 5.00 out of 5 stars. 5.00/5Our 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. | Discover will match all the cash back you’ve earned at the end of your first year.N/A | 1% - 5% CashbackEarn 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:18.24% - 28.24% Variable APR | |
Wells Fargo Active Cash® Card | Rating image, 5.00 out of 5 stars. 5.00/5Our 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. | $200 cash rewardsEarn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months. | 2% cash rewardsEarn unlimited 2% cash rewards on purchases. | Intro:0% intro APR for 12 months from account opening on purchases and qualifying balance transfers Purchases: 0% intro APR, 12 months from account opening Balance Transfers: 0% intro APR, 12 months from account opening on qualifying balance transfers Regular:20.24%, 25.24%, or 29.99% Variable APR | |
Bank of America® Travel Rewards credit card Apply Now for Bank of America® Travel Rewards credit card OnBank of America'sSecure Website. | Rating image, 4.00 out of 5 stars. 4.00/5Our 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. | 25,000 points25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases | 1.5 points per dollarEarn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees, and your points don't expire as long as your account remains open. | Intro:0% Intro APR for 15 billing cycles for purchases. 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. After the intro APR offer ends, 19.24% - 29.24% Variable APR on purchases and balance transfers will apply. A 3% fee for 60 days from account opening, then 4% fee applies to all balance transfers. Purchases: 0% Intro APR for 15 billing cycles for purchases Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days Regular:19.24% - 29.24% (Variable) | Apply Now for Bank of America® Travel Rewards credit card OnBank of America'sSecure 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.
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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
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.
You can use the Ducks Unlimited card anywhere Visa is accepted.
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.
