Find Your Kind of Credit Card

Turn your card off right away using your Card Security controls in Shine Online and Mobile Banking. If you think someone is using your card without your permission, please call us immediately at 800-373-7600, ext. 201 so we can help protect your account.

Visa credit cards are widely accepted at most retailers, restaurants, airlines and hotels—in the United States and around the world.

Yes. You can get a cash advance where Visa is accepted for cash services. The fee for advances is $10.00 or 3.00% of the amount of each cash advance, whichever is greater, and finance charges apply. Cash advances show up on your monthly statement along with your purchases.

If you want to get cash at an ATM, look for ATMs that display the Visa network symbol. You’ll need a Personal Identification Number (PIN). To set one up, call 888-891-2435 from the phone number you have on file at Dupaco and follow the prompts. (If there are two cardholders with the same card number, each person will need to call separately to set up their own PIN).

You could move balances from higher-rate credit cards to your Dupaco Visa and potentially save on finance charges—with no balance transfer fees. Just give us a call at 800-373-7600, ext. 201, or get started in Shine. Heads up: Balance transfers don’t earn rewards points. 

No. Visa credit card accounts can’t be linked for overdraft protection. Our standard share account overdraft sequence and Overdraft Privilege^* still apply. Please check your membership materials or contact us to learn more.

^*The Overdraft Privilege service fee is $30 per overdraft, with a maximum of one fee per day. An overdraft fee may be imposed for covering overdrafts made by various transactions—such as ATM withdrawals, everyday card transactions, checks, ACH automatic bill payments, recurring debit card payments, and any other transactions using your checking account number. These overdrafts will be covered automatically, and you will need to repay the fees within 30 days of the account going negative. If your account is overdrawn for longer than 45 days, it will be closed. However, please note that the decision to pay the overdrafts is at our discretion, and we may choose not to pay if your account is not in good standing, you are not making regular deposits, or if you have too many overdrafts.

We look at your full financial picture—not just your credit score—when reviewing applications. You might start with a lower credit limit, which could increase over time as your credit score improves. 

You could also consider a share-secured credit card, where the amount of your credit limit is held in your savings as collateral. It gives you the benefit of the credit card and could help you build credit with responsible use.

Still unsure? Our Consumer Lending team is happy to help when you call 800-373-7600, ext. 305 or email loans@dupaco.com.

Our Visa card cards include several benefits at no extra cost, including: 

• Auto Rental Insurance
• Warranty Manager Service
• Travel and Emergency Assistance
• Added protection when shopping online through Verified By Visa

Policy terms and conditions apply.

You’ll see your available points on your monthly statement and within your account in Shine Online or Mobile Banking.

Log in to Shine Online and Mobile Banking, open your Reward Visa account and select the Details & Settings tab to access the rewards website. 

Explore rewards like cash back, gift cards and travel. Hint: Some merchandise items may require additional shipping costs. After selecting an item, add it to your cart and follow the prompts. 

Don’t have internet access? You can call 800-513-9415 for help redeeming your points.

Yes. Points expire two years after they’re earned. When you redeem, the oldest points are used first.

Generally, 1 point equates to $0.01 with a Dupaco Rewards Visa card. So 5,000 points is about $50 in value.

Minimums vary by reward category. And your maximum is limited to your available points balance. Redemptions start at $25 and go up to $1,000.

If you return all or part of a purchase made on your Dupaco Rewards Visa, the points you originally earned will be deducted accordingly. That may result in a negative point balance.

All of Dupaco’s Rewards Visa redemptions are handled by our redemption partner, RAZR. If an item doesn’t arrive, arrives damaged or you have another concern, you can contact RAZR by calling 800-513-9415 or by emailing RewardsHelp@Reward-Headquarters.com. Their contact info’s also listed on the rewards site under Contact Us.