Choose a Dupaco Visa credit card for low rates and local service you can count on! We make it easy to access your account and make payments, plus our local service means you can easily get help from a real person if you have any card issues.
We minimize your risk of credit card fraud by monitoring your account for unusual activity and notifying you of immediately any concerns. We also help you shop more safely online with Visa’s Zero Liability Policy. Plus, all of our credit cards come standard with EMV chips that make fraudulent transactions almost impossible.
Enjoy Perks That Don’t Cost a Thing
Beyond offering some of the best low rates around and the option to earn rewards, Dupaco Visa credit cards are packed with free perks! With both of our credit card options, you get:
- Online account access through Shine Online Banking
- Easy payment options, including automatic and online payments
- Free account alerts and eStatements
- Payment protection and fraud monitoring
- Rental car insurance
- Travel accident life insurance
- Extended warranty and purchase security
- Travel and emergency assistance (for those who qualify)
Choose the Card That’s Right for You
Are you looking for a card that makes all of your purchases more affordable with a low rate or one that gives you a little something extra? We offer both! (Hint: If you’re looking for the best card for your business-related spending, please click here)
|Platinum Visa||Rewards Visa|
|Best For||Saving money every day with low rates.||Earning merchandise, travel, cash back and more.|
|Interest Rate||As low as 9.00% APR||As low as 12.00% APR|
|Promotional Interest Introductory Rate||2.90% (on transferred balances)||No|
|Free Balance Transfer||Yes||Yes|
|Earns Points Toward Rewards||No||Yes|
|Visa’s Zero Liability Policy (risk-free shopping)||Yes||Yes|
|Available as Share Secured Visa||Yes||No|
|Available for Business Accounts||Yes||No|
|25 Day Interest Grace Period||Yes||Yes|
|Apply Now||Apply Now|
Platinum Visa Credit Card
Low variable Annual Percentage Rate (APR), no balance transfer or annual fees, and local card servicing. Our Platinum Visa is perfect for all of your needs.
|Platinum Credit Card||Annual Percentage Rate (APR)*|
|Platinum Visa Rate||9.00% - 16.00% APR1|
|Introductory Balance Transfer Rate||2.90% APR for 6 mos. (after that your rate will be 9.00−16.00% APR)2|
|1 Platinum Visa 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 the 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.
2 Platinum Visa Introductory Balance Transfer Rate:For new cardholders, the 2.90% annual percentage rate (APR) balance transfer introductory rate is valid for new cardholders’ balance transfers and balance consolidations that post to your Dupaco Platinum Visa during the first 90 days following the opening of Dupaco Platinum Visa. The 2.90% introductory annual percentage rate (APR) expires six months from the date of your first balance transfer or balance consolidation, at which time the APR will revert back to the current standard APR, which effective 03/01/2021 is a variable rate from 9.00% to 16.00%, based on your creditworthiness. 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. Offer valid only on Dupaco Platinum Visa.
*To view your card info, click the secure link located on your Platinum Visa page in Shine Online or Mobile Banking.
Rewards Visa Credit Card
Earn 1 point for every $1 you spend using your Dupaco Visa Rewards card. Redeem your points, any time, for cash back, brand-name merchandise and more*!
|Rewards Credit Card||Annual Percentage Rate (APR)*|
|Rewards Visa||12.00% - 19.00% APR|
|Visa Rewards 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. Rewards Visa Terms and Conditions|
*To view or redeem your points, click the secure link located on your Rewards Visa page in Shine Online or Mobile Banking.
Switch and Save
Consolidate payments and save on interest by transferring the balance of your “other” card(s) to your Dupaco Visa! There’s no balance transfer fee, plus we’ll help you through the process.
Get Started Now
- Initiate a Balance Transfer Request via the Transfers tab in Shine Online & Mobile Banking.
- Or give us a call at at 800-373-7600.
- Log in to Dupaco Shine Online or Mobile Banking.
- In Shine Online, click the Account Safety tab (located on your Accounts page).
- In Shine Mobile, tap the Profile icon (located in your toolbar).
- Choose Card Security, then turn off the card you suspect is missing or compromised.
- Check your card’s Transactions page for suspicious activity.
If you’re certain the card is missing or compromised, call Dupaco immediately at 800-373-7600, ext. 201.