Credit Cards

Cards with Your Spending Style in Mind
credit card

Dow Credit Union offers three Visa® Credit Card options. Whether you tend to carry a balance on your credit cards or pay them off monthly, Dow Credit Union has a program to benefit you.

  • A Low-Rate Visa is a great choice for those who carry a balance and want the immediate savings of our lowest interest rate.
  • A Rebate-Eligible Visa is a great option for those who carry a balance on their card and want the potential to get back a chunk of the annual interest they pay via our year-end Loan Interest Rebate, which is part of our unique Member Giveback.1
  • A Rewards Visa is the perfect choice for those who like earning cash back, merchandise or gift cards for the dollars they spend.

Card Programs

Effective June 18, 2018
Programs Low Rate Visa Rebate Eligible Visa Rewards Visa
Non-variable APR for purchases 6.90% 8.90% 9.90%
Chip-Enabled EMV Security Included Included Included
Fraud and theft protection Included Included Included
Card Lock Included Included Included
Cardholder Offers and Discounts Included Included Included
Free Travel Accident Insurance Included Included Included
Free Auto Rental Insurance Included Included Included
Identity Theft Protection Included Included Included
Eligible for Year-End Loan Interest Rebate1 Not Included Included Not Included
YourRewards program with double points for the first 90 days Not Included Not Included Included
Introductory APR on balance transfers 0.00%2 3.90%3 Not Included
No International Transaction Fees4 Included Included Included
$2,500 minimum credit line Included Included Included
No annual fee Included Included Included
Visa Zero Liability Protection Included Included Included
True 25-day interest free grace period Included Included Included

1. While Member Giveback rebates and rewards occur with great regularity, this credit union benefit is not guaranteed. Not all loan and deposit products are eligible for Member Giveback consideration. Some limitations apply.
2. For balance transfers: 0.00% Introductory APR for 15 billing cycles, on transfers initiated within 90 days of card opening. After that, your APR will be 6.90%. Introductory Balance transfers will have a fee of the greater of $25 or 3% of the amount of the balance transfer. Offer valid only on balances from non-Dow Credit Union credit cards; current Dow Credit Union credit card balances are not eligible. 

3. For Balance Transfers made on the account within 90 days of account opening. After the first 15 billing cycles the account is open, your APR will be 8.90%. Offer valid only on balances from non-Dow Credit Union credit cards; current Dow Credit Union credit card balances are not eligible. 

4. A usage fee may be charged by Foreign ATM operators. Currency conversion rates are set by VISA and are subject to change. 


Apply Now

Applying online today is easy!

Low Rate Visa

Rebate Eligible Visa

Rewards Visa


  • Available on the Dow Credit Union Rewards Visa
  • Earn 1 YourRewards point for every net retail $1 you spend
  • Redeem points for cash back, merchandise, gift cards and more
  • Receive double rewards points for your first 90 days

Access your YourRewards account


Get Your Card in Minutes

Need to replace a lost Dow Credit Union Visa Credit card? Want to apply for a new card and start using it right away? Just come to Dow Credit Union, and we’ll have a card for you in a matter of minutes. Fees may apply.


Mobile and Digital Wallets

With mobile and digital wallets, you can securely make purchases at a store with your mobile device or online with your computer or other device.

Learn More and Enroll

Perks, Protection, Payment

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Visa® Disclosures

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