Dupaco VISA Credit Card

With a low-interest, variable rate, Dupaco's VISA credit card is one of the best available, with:

  • No annual fee
  • 25 day grace period before interest is charged on purchases
  • Activate your card easily online at MyCardInfo, or by calling us at (563) 557-7600 / 800-373-7600, ext. 201
  • Easy payment options, including automatic payments and online payments
  • Online account access through Shine Online Banking or MyCardInfo
  • Free account alerts and eStatements
  • Automatic, no-cost fraud monitoring
  • No fees on balance transfers to your Dupaco VISA
  • No-cost rental car insurance; travel accident life insurance; extended warranty and purchase security program; and special travel and emergency assistance may be available to those qualified
  • Shop online and off with no risk with VISA's Zero Liability Policy

Apply for your Dupaco VISA today by calling (563) 557-7600 / 800-373-7600, ext. 0, visiting your nearest Dupaco branch, or applying online!

Apply

Needing a credit limit increase? Give our Consumer Lending team a call at (563) 557-7600 / 800-373-7600, ext. 202, or email loans@dupaco.com.

Access your VISA account by logging in to Dupaco's Shine Online Banking or through MyCardInfo.

Questions or concerns about your card? Call Dupaco at (563) 557-7600 / 800-373-7600, ext. 0. In order to serve you 24-hours a day on questions related to your VISA, we've partnered with The Members Group (TMG) for service on Dupaco VISA credit cards. TMG is The Members Group, a Des Moines, Iowa-based company which is jointly owned by Dupaco and other Iowa credit unions. Rest assured that by calling TMG for service on your Dupaco VISA account you will be getting secure, accurate, and timely service from a real live person, anytime you call.

Have additional questions? Check out our FAQs below.

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Credit Card Rates

Current as of: 2/22/2017
Credit Card Annual Percentage Rate
VISA Balance Transfer Promotional Rate 3.90% APR on balance transfers 1/2/2017 thru 3/31/2017. After 6 months, the rate will be a low 9.50%-16.50% APR1
VISA Introductory Rate 5.99% APR2
VISA (Non-Promotional Rate) 9.50%-16.50% APR3
1VISA Balance Transfer Rate: The 3.90% balance transfer promotional rate is valid for balance transfers and cash advances that post between January 2, 2017, and March 31, 2017. The 3.90% annual percentage rate (APR) expires six months from the date of your first balance transfer or cash advance, at which time the APR will revert back to the APR established at time of account opening, which is a variable rate from 9.50% to 16.50% (rate accurate as of 12/16/16), based on your creditworthiness. Account must be in good standing to qualify. All VISA APRs will vary with the market based on the Prime Rate. There is a grace period on purchases, and no annual fees or participation fees. Other fees include: cash advance fee-$3 or 1.50% of the amount of each cash advance, whichever is greater (maximum of $15); foreign transaction fee-1.00% of each transaction in US dollars; late payment fee is $15.00 or the minimum due, whichever is less if you are four (4) or more days late.; returned payment fee-up to $25.
2VISA Introductory Rate: 5.99% introductory annual percentage rate (APR), for qualified members, for 182 days from the issuance of the card. When the discounted period expires, the APR on existing balances will increase to the new non-discount rate on the first day of the billing cycle. After the introductory period your APR will be variable rate from 9.50% to 16.50%, based on your creditworthiness. VISA APR will vary with the market based on the Prime Rate. There is a grace period before interest is charged on purchases. There is no annual fee and no balance transfer fee. Other fees include: Cash advance fee--$3.00 or 1.50% of the amount of each cash advance, whichever is greater (maximum of $15); foreign transaction fee--1.00% of each transaction in US Dollars; late payment fee--up to $15.00; returned payment fee--up to $25.00.
3VISA Non-Promotional Rate: Annual percentage rate (APR) subject to change and may vary during the term of credit. The rate will be the Prime Rate as published in The Wall Street Journal on the last business day of each calendar quarter, plus margin. Margin to be determined by credit score at time of application. There is a grace period before interest is charged on purchases. There is no annual fee and no balance transfer fee. Other fees include: Cash advance fee--$3.00 or 1.50% of the amount of each cash advance, whichever is greater (maximum of $15); foreign transaction fee--1.00% of each transaction in US Dollars; late payment fee--up to $15.00; returned payment fee--up to $25.00.

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Comments (9)
Questions
Michael G
 • 15 days 6 hrs 42 mins 33 secs ago
Is there a late fee or an over the limit fee for this VISA card? Also, what is the method for computing the account balance? Thank you.
 

Re: Questions
Dupaco Moderator
 • 14 days 17 hrs 17 mins 45 secs ago

Hi Michael, our late fee on VISA credit cards is up to $15.00 or the minimum payment due, whichever is less, if you are 4 or more days late. We do not have an over the limit fee.

 

Questions
Michael G
 • 15 days 6 hrs 42 mins 33 secs ago
Is there a late fee or an over the limit fee for this VISA card? Also, what is the method for computing the account balance? Thank you.
 

Re: Questions
Dupaco Moderator
 • 14 days 17 hrs 17 mins 45 secs ago

Hi Michael, our late fee on VISA credit cards is up to $15.00 or the minimum payment due, whichever is less, if you are 4 or more days late. We do not have an over the limit fee.

 

Credit card chips
Melvin H
 • 203 days 9 hrs 52 mins 51 secs ago
I am traveling in France in 3 weeks. I have been told that they prefer credit cards with chips. Are they available and how long does it take to get them if available.
 

Re: Credit card chips
Dupaco Moderator
 • 202 days 13 hrs 38 mins 28 secs ago

Hi Melvin, our card services department will send you an EMV VISA credit card to replace your existing non-EMV one. Also, you can always call us at 563-557-7600/800-373-7600, extension 201 to have your cards marked for travel so you don't run into security issues that would block your card.

 

Credit
Jasmine C.
 • 305 days 11 hrs 31 mins 28 secs ago
What credit type do you need to get approved? And would I need a cosigner if I don't have best credit?
 

Re: Credit
Dupaco Moderator
 • 305 days 11 hrs 25 mins 29 secs ago

Hi Jasmine, everyone's financial situation is different, and Dupaco looks into your entire picture, rather than just your credit score for a VISA credit card. Please contact our Member Service department at 563-557-7600/800-373-7600, extension 206 or email us at service@dupaco.com. Thanks!

 

travel insurance
Pat
 • 334 days 14 hrs 38 mins 35 secs ago
can you tell me more about travel insurance provided through my VISA card?
 

Re: travel insurance
Dupaco Moderator
 • 333 days 18 hrs 5 mins 52 secs ago

Hi Pat, I will have someone from our card services department reach out to you. Thanks!

 

Visa
Amanda
 • 386 days 4 hrs 19 mins 17 secs ago
where do I mail my check to? I lost my billing information and its due on the 4th
 

Re: Visa
Dupaco Moderator
 • 385 days 11 hrs 54 mins 2 secs ago

Hi Amanda, one of our card service representatives will be in touch with you shortly.

 

update
Melissa
 • 410 days 15 hrs 19 mins 38 secs ago
How often and what time of day does the current balance on the visa update daily?
 

Re: update
Dupaco Moderator
 • 409 days 14 hrs 25 mins 56 secs ago

Hi Melissa, Visa payments that are made before 5 p.m. will post to the account that same day, anything after will post the following day at 5. If a payment is made on a weekend it will not post until the next available business day.

 

Credit Card FICO score
Arie G
 • 563 days 17 hrs 12 mins 22 secs ago
What are the credit scores needed to QUALIFY for a Dupaco credit card? Excellent, Good, or Fair? We are looking to transfer a large balance, high interest Visa from another credit union VISA card to Dupaco. We have no interest in applying and being approved for 1/3 of the balance on the current card. That would defeat the purpose. Thank you!
 

Re: Credit Card FICO score
Dupaco Moderator
 • 561 days 16 hrs 6 mins 56 secs ago

Arie, we have members with a wide range of credit scores using Dupaco VISAs. Dupaco looks into each person's individual situation to determine if they are approved or not. We highly encourage you to contact us so we can get a better idea of your situation and offer you the best solution.

 

dupaco visa
Gabby J.
 • 754 days 3 hrs 50 mins 20 secs ago
Can I make a loan payment with my VISA?
 

Re: dupaco visa
Dupaco Moderator
 • 750 days 11 hrs 24 mins 3 secs ago

Hi Gabby, Every situation is different, you do have the option of getting a cash advance from your VISA. We encourage you to call us so we can get to know you and your situation and get you on a payment plan you can afford. Call 800-373-7600 ext. 0.

 

Payments
Todd Keil
 • 796 days 14 hrs 28 mins 54 secs ago
Can I make a payment on my Visa with you on line from my debit card from another bank.
 

Re: Payments
Dupaco Moderator
 • 785 days 15 hrs 29 mins 25 secs ago

Hi Todd, No, not at this time.

 

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