Credit Cards

 
credit card

We Have a Card for Everyone

Low-Rate
Visa® Credit Card

Our Low-Rate Visa® is a great choice for individuals carrying a card balance and are seeking immediate savings through our lowest interest rate.

Rebate-Eligible
Visa® Credit Card

Our Rebate-Eligible Visa® is a great option for those carrying a card balance and want the potential to get back a portion of the annual interest paid via our year-end Loan Interest Rebate, which is part of our unique Member Giveback.1

Rewards
Visa® Credit Card

Our Rewards Visa® is the perfect choice for those who like earning cash back, merchandise or gift cards for dollars spent.

Let's Get Started!

Select an option below to begin your application.

 

Dow Credit Union | Member Sign In and Apply for a Credit Card

Dow Credit Union | Become a Member and Apply for a Credit Card

Card Programs

Effective January 23, 2025
Programs Low-Rate Visa Rebate-Eligible Visa Rewards Visa

Variable APR for Purchases

(the APR will vary with the market based on the prime rate)

11.24%

13.24%

14.24%
No International Transaction Fees4 Included Included Included
No annual fee Included Included Included
No Cash Advance Fees Included Included Included
Free Travel Accident Insurance Included Included Included
Free Auto Rental Insurance Included Included Included
Free Identity Theft Protection Included Included Included
Contactless Chip-Enabled Security Included Included Included
Introductory APR on balance transfers 0.00%2 3.90%3 Not 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
In-Branch Card Printing Included Included Included
Mobile Wallet Compatible Included Included Included
Fraud and theft protection Included Included Included
Visa Zero Liability Protection Included Included Included
Card Lock 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 vary with the market based on the prime rate. 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 vary with the market based on the prime rate. 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 is easy!

 

Dow Credit Union | Member Sign In and Apply for a Credit Card

Dow Credit Union | Become a Member and Apply for a Credit Card

YourRewards

  • 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 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

Learn More

Visa® Disclosures

Looking for details regarding your card?