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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!

 Platinum Visa Rewards Visa
Best ForSaving money every day with low rates.Earning merchandise, travel, cash back and more.
Annual FeeNoneNone
Interest RateAs low as 10.75% APRAs low as 13.75% APR
Promotional Interest Introductory RateYes (qualified applicants)No
Free Balance TransferYesYes
Earns Points Toward RewardsNoYes
Visa’s Zero Liability Policy (risk-free shopping)YesYes
Available as Share Secured VisaYesNo
Available for Business AccountsYesNo
25 Day Interest Grace PeriodYesYes
Apply NowApply Now

View Credit Card FAQ

Platinum Visa Credit Card

With a low variable Annual Percentage Rate (APR), no balance transfer or annual fees, and a service team who has your back, Dupaco’s Platinum Visa is perfect for all of your shopping needs.

Platinum Credit CardAnnual Percentage Rate (APR)*
1 Visa Promotional Rate: 3.90% promotional rate is valid for credit purchases and cash advances made between 11/1/2019 and 12/31/2019. The 3.90% annual percentage rate (APR) expires six months from the date of your first credit purchase or cash advance, at which point your APR will revert to your existing non-promotional variable APR, which effective 10/1/2019, is currently between 10.75% and 17.75%. 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 before interest is charged 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—up to $15; returned payment fee—up to $25
2 Visa 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 10.75% to 17.75%, 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.
3 Visa 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 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.
Visa Holiday Promotion Rate3.90% APR1 for six months
Visa Introductory Rate5.99% APR2 for six months
Visa Non-Promotional Rate10.75% - 17.75% APR3

Rewards Visa Credit Card

You deserve to be rewarded. With Dupaco’s Rewards Visa, you’ll earn 1 point for every $1 spent on your card. You can redeem your points at any time for brand-name merchandise, travel gift cards and even cash back*!

Rewards Credit CardAnnual Percentage Rate (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
Rewards Visa13.75% - 20.75% APR

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*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

Crunch the Numbers

Use our free calculators to help you figure out how to pay off your credit card balance and more.

  1. Log into Dupaco Shine Online or Mobile Banking.
  2. Click the Account Safety tab (located on your Accounts page).
  3. Choose Card Security, then disable the card you suspect is missing or compromised.
  4. 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.

Tips for Fraud Prevention and Recovery

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