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.
|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|
|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.
Applying online today is easy!
- 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
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.
Looking for details regarding your card?